Natural hazards · St. Andrews

St. Andrews, SC natural hazards

Most of the natural-hazard damage FEMA expects in St. Andrews comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 62 claims here since 1983.

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

Expected damage

How exposed is St. Andrews?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Andrews to be higher than in 43% of U.S. communities, mostly from inland flooding.

Inland flooding61%Hurricanes10%Tornadoes9%Earthquakes6%Everything else15%

By hazard

What St. Andrews faces

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

Inland flooding

61% of expected damage

Above average · higher than 50% of U.S. places

Recorded about 4 times a year in the area

Hurricanes

10% of expected damage

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

Recorded about once every 7 years in the area

Tornadoes

9% of expected damage

Above average · higher than 61% of U.S. places

Earthquakes

6% of expected damage

Above average · higher than 69% of U.S. places

Lower here

HailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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. Andrews flood?

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

62paid claims since 1983

$1.4Mpaid to owners

0homes flooded more than once

19832026

Biggest named events

October severe storms: 39 claims, $1.2M
Hurricane Helene: 1 claim, $15K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Richland County.

Disasters that hit St. Andrews

Federal disasters declared here

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

Brought FEMA money into St. AndrewsDeclared for Richland County only

Richland County has had 18 natural disasters declared since 1953, most often hurricanes and severe storms.

Around St. Andrews

St. Andrews and the towns around it

Very lowLowModerateHighVery high

Seven Oaksmostly inland floodingModerate

St. Andrewsmostly inland floodingModerate

Columbiamostly inland floodingLow

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. Andrews covers 6 census tracts, combined by population.

Money that reached townFlood claims are matched to St. Andrews’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to St. Andrews. 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. Andrews total about $9.8M 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.