Property Atlas

County hazard profile

St. Clair, MI

Michigan · pop. 160,353 · FIPS 26147

Relatively Moderate
FEMA risk rating · RATING
Cold Wave
dominant hazard
$49M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr St. Clair $49M

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 82/100
national median ~50 higher than 82% of counties
Social vulnerabilityRelatively Low 32.57/100
national median ~50 lower than most counties (33rd percentile)
Community resilienceVery High 89.22/100
national median ~50 higher than 89% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in St. Clair

The National Flood Insurance Program has paid 1,184 flood-insurance claims totaling $5.2M in St. Clair since 1978. The costliest year was 2019 ($1.0M paid).

Flood-insurance dollars paid by year of loss

1978: $3,297 paid 1979: $589 paid 1980: $9,798 paid 1981: $6,180 paid 1982: $35,154 paid 1983: $5,695 paid 1984: $29,821 paid 1985: $819,511 paid 1986: $675,987 paid 1987: $257,149 paid 1988: $0 paid 1989: $0 paid 1990: $0 paid 1991: $422 paid 1992: $0 paid 1994: $8,332 paid 1995: $0 paid 1996: $10,000 paid 1997: $95,021 paid 1998: $844 paid 1999: $0 paid 2000: $10,851 paid 2001: $142,181 paid 2002: $0 paid 2003: $0 paid 2004: $266,872 paid 2005: $0 paid 2006: $0 paid 2007: $4,288 paid 2008: $106,387 paid 2009: $397,313 paid 2011: $5,883 paid 2014: $71,156 paid 2016: $0 paid 2018: $113,098 paid 2019: $1,013,148 paid 2020: $287,847 paid 2021: $715,156 paid 2022: $1,135 paid 2023: $125,216 paid 2024: $8,945 paid 2025: $2,207 paid 2026: $14,762 paid 2019 · $1.0M 1978 2026
$5.2M
total paid
$4,429
average claim
$115K
largest single claim
57%
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. Clair, MI and where it ranks among U.S. counties. It is not a verdict on whether St. Clair 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.