Property Atlas

County hazard profile

St. Mary, LA

Louisiana · pop. 49,313 · FIPS 22101

Relatively Moderate
FEMA risk rating · RATING
Hurricane
dominant hazard
$61M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr St. Mary $61M

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 88.93/100
national median ~50 higher than 89% of counties
Social vulnerabilityRelatively High 75.6/100
national median ~50 higher than 76% of counties
Community resilienceVery High 88.17/100
national median ~50 higher than 88% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in St. Mary

The National Flood Insurance Program has paid 2,532 flood-insurance claims totaling $37.3M in St. Mary since 1978. The costliest year was 2005 ($10.4M paid).

Flood-insurance dollars paid by year of loss

1978: $24,443 paid 1979: $311,705 paid 1980: $332,553 paid 1981: $4,045 paid 1982: $33,738 paid 1983: $210,959 paid 1984: $540,236 paid 1985: $474,383 paid 1986: $0 paid 1987: $12,122 paid 1988: $159,825 paid 1989: $30,081 paid 1990: $1,916 paid 1991: $292,810 paid 1992: $767,022 paid 1993: $22,575 paid 1994: $19,392 paid 1995: $345,498 paid 1996: $70,009 paid 1997: $388,033 paid 1998: $281,241 paid 1999: $18,406 paid 2000: $13,572 paid 2001: $724,103 paid 2002: $2,763,020 paid 2003: $59,838 paid 2004: $15,552 paid 2005: $10,428,169 paid 2006: $12,844 paid 2007: $51,221 paid 2008: $7,054,608 paid 2009: $597,920 paid 2010: $12,584 paid 2011: $699,938 paid 2012: $19,543 paid 2013: $301,272 paid 2014: $0 paid 2015: $34,212 paid 2016: $86,233 paid 2017: $315,269 paid 2018: $5,904 paid 2019: $3,073,673 paid 2020: $1,296,795 paid 2021: $112,302 paid 2023: $9,747 paid 2024: $5,231,908 paid 2025: $0 paid 2005 · $10.4M 1978 2025
$37.3M
total paid
$14,716
average claim
$577K
largest single claim
61%
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. Mary, LA and where it ranks among U.S. counties. It is not a verdict on whether St. Mary 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.