Property Atlas

County hazard profile

St. Louis, MN

Minnesota · pop. 200,067 · FIPS 27137

Relatively Moderate
FEMA risk rating · RATING
Cold Wave
dominant hazard
$112M
modeled expected annual loss/yr

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

lower than most counties (35th percentile)

national median $15M/yr St. Louis $112M

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 91.57/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Low 32.44/100
national median ~50 lower than most counties (32nd percentile)
Community resilienceVery High 98.35/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in St. Louis

The National Flood Insurance Program has paid 183 flood-insurance claims totaling $1.8M in St. Louis since 1978. The costliest year was 2012 ($1.0M paid).

Flood-insurance dollars paid by year of loss

1978: $3,185 paid 1979: $51,639 paid 1980: $658 paid 1982: $35,196 paid 1985: $0 paid 1986: $273 paid 1988: $0 paid 1989: $4,076 paid 1990: $16,218 paid 1991: $0 paid 1993: $24,561 paid 1994: $0 paid 1995: $0 paid 1996: $1,679 paid 1997: $19,314 paid 1999: $45,060 paid 2001: $3,223 paid 2002: $11,978 paid 2007: $3,515 paid 2008: $0 paid 2009: $27,586 paid 2010: $5,205 paid 2012: $1,028,399 paid 2013: $0 paid 2014: $1,250 paid 2018: $12,307 paid 2019: $55,505 paid 2020: $0 paid 2022: $43,760 paid 2024: $437,786 paid 2012 · $1.0M 1978 2024
$1.8M
total paid
$10,013
average claim
$235K
largest single claim
49%
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. Louis, MN and where it ranks among U.S. counties. It is not a verdict on whether St. Louis 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.