Natural hazards · St. Maries

St. Maries, ID natural hazards

Most of the natural-hazard damage FEMA expects in St. Maries comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 6 claims here since 1996. 1 federal disaster brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is St. Maries?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Maries to be higher than in 86% of U.S. communities, mostly from inland flooding.

Inland flooding86%Cold waves6%Everything else8%

By hazard

What St. Maries faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

86% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once a year in the area

Cold waves

6% of expected damage

Above average · higher than 73% of U.S. places

Recorded about once a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDroughtAvalanches

Not a risk here

Coastal floodingHurricanesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does St. Maries flood?

Every paid claim on a federal flood insurance policy in St. Maries, from FEMA’s records.

6paid claims since 1996

$99Kpaid to owners

0homes flooded more than once

19962026

of homes in flood zones
are insured

of all homes
are insured

No community discount. St. Maries isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Benewah County.

What’s been done with FEMA grants

28homes raised above flood level

Disasters that hit St. Maries

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in St. Maries itself: aid to households, or repair grants to the City of St. Maries.

Brought FEMA money into St. MariesDeclared for Benewah County only

2021

Straight-Line Winds

$30K to the City of St. Maries for repairs

Benewah County has had 14 natural disasters declared since 1953, most often severe storms and floods.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. St. Maries is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to St. Maries’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of St. Maries. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.