Property Atlas

County hazard profile

St. Martin, LA

Louisiana · pop. 51,686 · FIPS 22099

Relatively Moderate
FEMA risk rating · RATING
Hurricane
dominant hazard
$47M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr St. Martin $47M

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 87.28/100
national median ~50 higher than 87% of counties
Social vulnerabilityVery High 87.98/100
national median ~50 higher than 88% of counties
Community resilienceVery High 81.42/100
national median ~50 higher than 81% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in St. Martin

The National Flood Insurance Program has paid 1,458 flood-insurance claims totaling $28.0M in St. Martin since 1978. The costliest year was 2016 ($13.0M paid).

Flood-insurance dollars paid by year of loss

1978: $288 paid 1979: $104,098 paid 1980: $105,414 paid 1981: $383 paid 1982: $28,193 paid 1983: $50,229 paid 1984: $142,951 paid 1985: $24,220 paid 1986: $15,452 paid 1987: $3,783 paid 1989: $65,334 paid 1990: $57,934 paid 1991: $600,858 paid 1992: $3,607 paid 1993: $215,814 paid 1994: $10,021 paid 1995: $60,213 paid 1996: $4,524 paid 1997: $241,815 paid 1998: $30,160 paid 1999: $72,508 paid 2000: $1,456 paid 2001: $682,103 paid 2002: $50,577 paid 2003: $5,844 paid 2004: $1,928,742 paid 2005: $127,934 paid 2006: $29,159 paid 2007: $0 paid 2008: $652,684 paid 2009: $13,624 paid 2010: $1,392 paid 2011: $184,261 paid 2012: $423,335 paid 2013: $114,292 paid 2014: $162,651 paid 2015: $231,960 paid 2016: $13,033,600 paid 2017: $467,636 paid 2018: $255,981 paid 2019: $5,015,984 paid 2020: $43,645 paid 2021: $458,102 paid 2023: $0 paid 2024: $1,838,203 paid 2025: $418,620 paid 2026: $0 paid 2016 · $13.0M 1978 2026
$28.0M
total paid
$19,190
average claim
$340K
largest single claim
62%
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. Martin, LA and where it ranks among U.S. counties. It is not a verdict on whether St. Martin 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.