Property Atlas

County hazard profile

St. Croix, VI

Virgin Islands · pop. 40,913 · FIPS 78010

Insufficient Data
FEMA risk rating · RATING
—
dominant hazard
$65M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr St. Croix $65M

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.

Recorded · NFIP flood claims RECORDED

Realized flood losses in St. Croix

The National Flood Insurance Program has paid 1,873 flood-insurance claims totaling $35.4M in St. Croix since 1978. The costliest year was 2017 ($7.4M paid).

Flood-insurance dollars paid by year of loss

1978: $9,266 paid 1979: $374,731 paid 1980: $1,150 paid 1981: $53,598 paid 1982: $0 paid 1983: $8,904 paid 1984: $35,591 paid 1985: $0 paid 1987: $6,654 paid 1988: $0 paid 1989: $2,756,723 paid 1990: $7,792 paid 1992: $8,716 paid 1993: $0 paid 1994: $0 paid 1995: $4,131,100 paid 1996: $597,827 paid 1998: $868,990 paid 1999: $2,561,590 paid 2001: $75,210 paid 2003: $1,340,976 paid 2004: $502,901 paid 2005: $843,700 paid 2006: $1,612,307 paid 2007: $1,552,423 paid 2008: $5,471,113 paid 2009: $499,242 paid 2010: $2,808,435 paid 2011: $409,120 paid 2012: $126,090 paid 2013: $416,349 paid 2014: $86,464 paid 2016: $199,520 paid 2017: $7,428,177 paid 2019: $0 paid 2022: $405,515 paid 2024: $54,674 paid 2025: $177,338 paid 2017 · $7.4M 1978 2025
$35.4M
total paid
$18,917
average claim
$963K
largest single claim
37%
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. Croix, VI and where it ranks among U.S. counties. It is not a verdict on whether St. Croix 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.