Natural hazards · St. George

St. George, UT natural hazards

Most of the natural-hazard damage FEMA expects in St. George comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 12 claims here since 1980. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is St. George?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. George to be higher than in 87% of U.S. communities, mostly from inland flooding and wildfires.

Inland flooding49%Wildfire37%Everything else14%

By hazard

What St. George faces

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

Inland flooding

49% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 7 times a year in the area

Wildfire

37% of expected damage

Well above average · among the top 1% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesEarthquakesLandslidesStrong windLightningDroughtAvalanchesVolcanic activity

Not a risk here

Coastal floodingHurricanesCold wavesTsunamis

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. George flood?

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

12paid claims since 1980

$181Kpaid to owners

0homes flooded more than once

19802026

of homes in flood zones
are insured

of all homes
are insured

🏷️ 20% off flood insurance. St. George is in FEMA’s Community Rating System (class 6) for its flood-proofing work.

Insurance rates: Washington County.

Disasters that hit St. George

3 federal disasters brought FEMA money here

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

Brought FEMA money into St. GeorgeDeclared for Washington County only

2012

Severe Storm and Flooding

$217K to the City of St. George for repairs

2010

Severe Winter Storm and Flooding

$3.3M to the City of St. George for repairs

2005

Severe Storms and Flooding

$4.1M to the City of St. George for repairs

Washington County has had 12 natural disasters declared since 1953, most often fires and floods.

Around St. George

St. George and the towns around it

Very lowLowModerateHighVery high

Ivinsmostly wildfiresVery high

Washingtonmostly wildfiresVery high

St. Georgemostly inland floodingVery high

Santa Claramostly wildfiresVery 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. George covers 16 census tracts, combined by population.

Money that reached townFlood claims are matched to St. George’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of St. George. 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. George total about $65.1M 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.