Property Atlas

County hazard profile

St. Bernard, LA

Louisiana · pop. 43,709 · FIPS 22087

Relatively Low
FEMA risk rating · RATING
Hurricane
dominant hazard
$35M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr St. Bernard $35M

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 Low 75.6/100
national median ~50 higher than 76% of counties
Social vulnerabilityRelatively Moderate 42.24/100
national median ~50 near the national middle (42nd percentile)
Community resilienceVery High 96.41/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in St. Bernard

The National Flood Insurance Program has paid 23,919 flood-insurance claims totaling $2.25B in St. Bernard since 1978. The costliest year was 2005 ($2.20B paid).

Flood-insurance dollars paid by year of loss

1978: $9,960,707 paid 1979: $56,093 paid 1980: $6,450,877 paid 1981: $10,603 paid 1982: $705,202 paid 1983: $5,531,057 paid 1984: $6,373 paid 1985: $1,693,914 paid 1986: $2,421 paid 1987: $0 paid 1988: $164,613 paid 1989: $293,237 paid 1990: $528,377 paid 1991: $73,196 paid 1992: $229,245 paid 1993: $5,697 paid 1994: $36,022 paid 1995: $4,593,667 paid 1996: $387,247 paid 1997: $282,968 paid 1998: $2,709,206 paid 1999: $16,101 paid 2000: $16,699 paid 2001: $510,683 paid 2002: $3,221,654 paid 2003: $175,912 paid 2004: $519,531 paid 2005: $2,200,381,764 paid 2006: $52,924 paid 2007: $55,790 paid 2008: $754,530 paid 2009: $186,557 paid 2010: $0 paid 2011: $197,589 paid 2012: $3,150,977 paid 2013: $35,199 paid 2014: $16,851 paid 2015: $0 paid 2016: $0 paid 2017: $9,586 paid 2018: $32,449 paid 2019: $285,753 paid 2020: $116,699 paid 2021: $1,584,780 paid 2022: $0 paid 2023: $38,264 paid 2024: $48,577 paid 2025: $312,519 paid 2005 · $2.20B 1978 2025
$2.25B
total paid
$93,877
average claim
$1.0M
largest single claim
54%
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. Bernard, LA and where it ranks among U.S. counties. It is not a verdict on whether St. Bernard 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.