Natural hazards · St. Paul

St. Paul, TX natural hazards

Most of the natural-hazard damage FEMA expects in St. Paul comes from hurricanes, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is St. Paul?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Paul to be higher than in 74% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes32%Inland flooding28%Drought15%Cold waves13%Tornadoes6%Everything else7%

By hazard

What St. Paul faces

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

Hurricanes

32% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about once every 8 years in the area

Inland flooding

28% of expected damage

Above average · higher than 52% of U.S. places

Recorded about 3 times a year in the area

Drought

15% of expected damage

Recorded about 69 times a year in the area

Cold waves

13% of expected damage

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

Recorded about 2 times a year in the area

Tornadoes

6% of expected damage

Above average · higher than 55% of U.S. places

Recorded about once every 11 years in the area

Lower here

Coastal floodingHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

AvalanchesTsunamisVolcanic 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. Paul flood?

FEMA's records show no paid flood insurance claims in St. Paul.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: San Patricio County.

Disasters that hit St. Paul

Federal disasters declared here

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

Brought FEMA money into St. PaulDeclared for San Patricio County only

San Patricio County has had 29 natural disasters declared since 1953, most often hurricanes 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. Paul 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. Paul’s own flood-insurance community; household aid to the registrant’s city; repair grants to St. Paul. 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.