Property Atlas

County hazard profile

St. Lucie, FL

Florida · pop. 328,876 · FIPS 12111

Relatively High
FEMA risk rating · RATING
Hurricane
dominant hazard
$193M
modeled expected annual loss/yr

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

near the national middle (60th percentile)

national median $15M/yr St. Lucie $193M

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 High 96.06/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Moderate 51.24/100
national median ~50 near the national middle (51st percentile)
Community resilienceRelatively Moderate 49.55/100
national median ~50 near the national middle (50th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in St. Lucie

The National Flood Insurance Program has paid 3,988 flood-insurance claims totaling $84.7M in St. Lucie since 1978. The costliest year was 2004 ($60.5M paid).

Flood-insurance dollars paid by year of loss

1978: $2,356 paid 1979: $103,182 paid 1980: $0 paid 1981: $10,801 paid 1982: $6,946 paid 1983: $3,212 paid 1984: $82,652 paid 1985: $822,499 paid 1986: $13,151 paid 1987: $94,263 paid 1989: $500 paid 1990: $6,746 paid 1991: $0 paid 1992: $12,214 paid 1993: $3,789 paid 1994: $48,593 paid 1995: $481,405 paid 1996: $29,085 paid 1997: $7,247 paid 1998: $2,366 paid 1999: $425,814 paid 2000: $0 paid 2001: $63,709 paid 2002: $515 paid 2003: $16,891 paid 2004: $60,490,770 paid 2005: $1,085,658 paid 2006: $0 paid 2007: $11,243 paid 2008: $6,266,767 paid 2009: $333,693 paid 2010: $0 paid 2011: $7,462 paid 2012: $1,201,993 paid 2013: $404 paid 2014: $631,699 paid 2015: $6,110 paid 2016: $214,467 paid 2017: $10,996,569 paid 2018: $23,112 paid 2019: $1,542 paid 2020: $204,847 paid 2021: $6,424 paid 2022: $564,449 paid 2023: $0 paid 2024: $401,605 paid 2025: $0 paid 2026: $9,699 paid 2004 · $60.5M 1978 2026
$84.7M
total paid
$21,238
average claim
$2.0M
largest single claim
74%
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.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for St. Lucie, FL and where it ranks among U.S. counties. It is not a verdict on whether St. Lucie 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.