Natural hazards · St. Martin

St. Martin, MS natural hazards

Most of the natural-hazard damage FEMA expects in St. Martin comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 76 claims here since 2005. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is St. Martin?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Martin to be higher than in 89% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes51%Inland flooding21%Tornadoes10%Coastal flooding5%Everything else13%

By hazard

What St. Martin faces

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

Hurricanes

51% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once every 4 years in the area

Inland flooding

21% of expected damage

Above average · higher than 60% of U.S. places

Recorded about once a year in the area

Tornadoes

10% of expected damage

Above average · higher than 71% of U.S. places

Coastal flooding

5% of expected damage

Well above average · higher than 98% of U.S. places

Lower here

HailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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. Martin flood?

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

76paid claims since 2005

$4.0Mpaid to owners

0homes flooded more than once

20052026

Biggest named events

Hurricane Zeta: 48 claims, $1.7M
Hurricane Katrina: 13 claims, $1.9M
2026-06-Arthur-TS: 2 claims, $170K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Jackson County.

Disasters that hit St. Martin

2 federal disasters brought FEMA money here

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

Brought FEMA money into St. MartinDeclared for Jackson County only

2020

Hurricane Zeta

2 households applied for aid

2005

Hurricane Katrina

3 households applied for aid $15K aid approved

Jackson County has had 26 natural disasters declared since 1953, most often hurricanes and severe storms.

Around St. Martin

St. Martin and the towns around it

Very lowLowModerateHighVery high

Gulf Hillsmostly hurricanesVery high

Ocean Springsmostly hurricanesVery high

Latimermostly hurricanesVery high

St. Martinmostly hurricanesVery high

Biloximostly hurricanesVery high

D'Ibervillemostly hurricanesVery high

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. Martin covers 2 census tracts, combined by population.

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

FEMA’s expected losses across St. Martin total about $3.9M 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.