Natural hazards · St. Marys Point

St. Marys Point, MN natural hazards

Most of the natural-hazard damage FEMA expects in St. Marys Point comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 30 claims here since 1986.

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

Expected damage

How exposed is St. Marys Point?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Marys Point to be higher than in 71% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding59%Tornadoes18%Cold waves8%Strong wind8%Everything else8%

By hazard

What St. Marys Point faces

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

Inland flooding

59% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

18% of expected damage

Well above average · higher than 90% of U.S. places

Cold waves

8% of expected damage

Below average · higher than 25% of U.S. places

Recorded about 9 times a year in the area

Strong wind

8% of expected damage

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

Recorded about 5 times a year in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingHurricanesDroughtAvalanchesTsunamisVolcanic 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. Marys Point flood?

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

30paid claims since 1986

$437Kpaid to owners

9homes flooded more than once

19862026

Biggest named events

Severe flooding: 9 claims, $146K
Midwest Flooding: 2 claims, $14K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Washington County.

Disasters that hit St. Marys Point

Federal disasters declared here

None of the disasters declared for Washington County shows FEMA aid or repair money reaching St. Marys Point itself in FEMA’s records.

Brought FEMA money into St. Marys PointDeclared for Washington County only

Washington County has had 15 natural disasters declared since 1953, most often floods and severe storms.

Around St. Marys Point

St. Marys Point and the towns around it

Very lowLowModerateHighVery high

St. Marys Pointmostly inland floodingHigh

Lake St. Croix Beachmostly inland floodingHigh

Aftonmostly inland floodingModerate

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. Marys Point 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. Marys Point’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of St. Marys Point. 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.