Property Atlas

County hazard profile

St. Joseph, MI

Michigan · pop. 60,908 · FIPS 26149

Relatively Low
FEMA risk rating · RATING
Hail
dominant hazard
$19M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr St. Joseph $19M

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 58.59/100
national median ~50 near the national middle (59th percentile)
Social vulnerabilityRelatively Moderate 48.89/100
national median ~50 near the national middle (49th percentile)
Community resilienceRelatively High 66.48/100
national median ~50 near the national middle (66th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in St. Joseph

The National Flood Insurance Program has paid 110 flood-insurance claims totaling $1.6M in St. Joseph since 1978. The costliest year was 2018 ($913K paid).

Flood-insurance dollars paid by year of loss

1978: $509 paid 1980: $1,743 paid 1981: $1,057 paid 1982: $85,945 paid 1985: $62,012 paid 1986: $4,100 paid 1987: $2,175 paid 1989: $235,195 paid 1990: $0 paid 1996: $0 paid 2001: $2,411 paid 2006: $3,535 paid 2007: $4,180 paid 2008: $138,896 paid 2009: $87,523 paid 2013: $6,858 paid 2018: $913,229 paid 2019: $4,946 paid 2020: $82,781 paid 2018 · $913K 1978 2020
$1.6M
total paid
$14,883
average claim
$391K
largest single claim
63%
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. Joseph, MI and where it ranks among U.S. counties. It is not a verdict on whether St. Joseph 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.