Property Atlas

County hazard profile

St. Johns, FL

Florida · pop. 273,175 · FIPS 12109

Relatively Moderate
FEMA risk rating · RATING
Hurricane
dominant hazard
$97M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

lower than most counties (30th percentile)

national median $15M/yr St. Johns $97M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Moderate 87.53/100
national median ~50 higher than 88% of counties
Social vulnerabilityVery Low 11.39/100
national median ~50 among the lowest nationally
Community resilienceVery High 96.28/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in St. Johns

The National Flood Insurance Program has paid 7,637 flood-insurance claims totaling $252.5M in St. Johns since 1978. The costliest year was 2016 ($148.0M paid).

Flood-insurance dollars paid by year of loss

1978: $1,360 paid 1979: $28,000 paid 1981: $997 paid 1982: $167,560 paid 1983: $0 paid 1984: $125,088 paid 1985: $997 paid 1986: $2,571 paid 1987: $0 paid 1988: $1,155 paid 1989: $215,140 paid 1990: $692 paid 1991: $34,237 paid 1992: $288,537 paid 1993: $30,919 paid 1994: $250,499 paid 1995: $392,390 paid 1996: $191,951 paid 1997: $95,882 paid 1998: $53,990 paid 1999: $1,876,695 paid 2000: $10,443 paid 2001: $1,052,699 paid 2002: $28,075 paid 2003: $85,994 paid 2004: $487,902 paid 2005: $43,752 paid 2006: $6,540 paid 2007: $803,566 paid 2008: $506,787 paid 2009: $263,701 paid 2010: $0 paid 2011: $89,392 paid 2012: $210,859 paid 2013: $455,496 paid 2014: $13,425 paid 2015: $186,713 paid 2016: $148,041,859 paid 2017: $62,719,050 paid 2018: $258,411 paid 2019: $106,500 paid 2020: $591,958 paid 2021: $760,662 paid 2022: $31,173,892 paid 2023: $102,388 paid 2024: $622,404 paid 2025: $145,591 paid 2016 · $148.0M 1978 2025
$252.5M
total paid
$33,066
average claim
$786K
largest single claim
84%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

Also available: structured data (JSON-LD) · plain text

What this is — and is not

This is FEMA/CDC modeled hazard exposure for St. Johns, FL and where it ranks among U.S. counties. It is not a verdict on whether St. Johns is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.