St. James, FL natural hazards
Most of the natural-hazard damage FEMA expects in St. James comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 869 claims here since 2020. 8 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is St. James?
FEMA expects yearly storm and flood damage to homes and buildings in St. James to be higher than in 89% of U.S. communities, mostly from hurricanes and coastal flooding.
What St. James faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Hurricanes
Coastal flooding
Inland flooding
Lower here
Not a risk here
Does St. James flood?
Every paid claim on a federal flood insurance policy in St. James, from FEMA’s records.
Biggest named events
- Hurricane Ian: 658 claims, $40.6M
- Hurricane Milton: 134 claims, $6.1M
- Hurricane Helene: 72 claims, $7.2M
are insured
are insured
What’s been done with FEMA grants
8 federal disasters brought FEMA money here
Disasters the President declared that paid out in St. James itself: aid to households, or repair grants to St. James.
Hurricane Milton
Hurricane Helene
Hurricane Ian
Hurricane Irma
Hurricane Wilma
Hurricane Ivan
Hurricane Frances
Tropical Storm Bonnie and Hurricane Charley
St. James and the towns around it
How to read this page
FEMA’s expected losses across St. James total about $2.9M a year, counting buildings, people and crops.
Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.