Natural hazards · St. Paul

St. Paul, VA natural hazards

Most of the natural-hazard damage FEMA expects in St. Paul comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 2 claims here since 1978. 5 federal disasters brought FEMA money into town.

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 60% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding57%Cold waves30%Everything else13%

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.

Inland flooding

57% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once a year in the area

Cold waves

30% of expected damage

Above average · higher than 73% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightningDroughtAvalanches

Not a risk here

Coastal floodingHeat wavesTsunamisVolcanic 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?

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

2paid claims since 1978

$17Kpaid to owners

0homes flooded more than once

19782026

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: Russell County.

Disasters that hit St. Paul

5 federal disasters brought FEMA money here

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

Brought FEMA money into St. PaulDeclared for Russell County only

2025

Severe Winter Storms and Flooding

$51K to the Town of St. Paul for repairs

2024

Tropical Storm Helene

26 households applied for aid $24K aid approved $42K to the Town of St. Paul for repairs

2009

Severe Winter Storm and Snowstorm

$12K to the Town of St. Paul for repairs

2003

Severe Winter Storm, Record/Near Record Snowfall, Heavy Rain,floodind, and Mudslide

2 households applied for aid $1K aid approved $3K to the Town of St. Paul for repairs

2002

Severe Storms and Flooding

$23K to the Town of St. Paul for repairs

Russell County has had 17 natural disasters declared since 1953, most often severe storms and winter storms.

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 the Town of 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.