Property Atlas

County hazard profile

St. Thomas, VI

Virgin Islands · pop. 41,412 · FIPS 78030

Insufficient Data
FEMA risk rating · RATING
—
dominant hazard
$73M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr St. Thomas $73M

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. Thomas

The National Flood Insurance Program has paid 1,386 flood-insurance claims totaling $37.3M in St. Thomas since 1978. The costliest year was 2017 ($9.5M paid).

Flood-insurance dollars paid by year of loss

1978: $1,355 paid 1979: $185,688 paid 1980: $10,163 paid 1981: $7,191 paid 1982: $0 paid 1983: $593,063 paid 1984: $262,031 paid 1985: $6,816 paid 1986: $3,020 paid 1987: $159,512 paid 1988: $57,246 paid 1989: $3,111,591 paid 1990: $16,872 paid 1991: $0 paid 1992: $48,878 paid 1995: $6,581,515 paid 1996: $1,564,731 paid 1997: $0 paid 1998: $2,614,653 paid 1999: $5,501,285 paid 2000: $35,136 paid 2001: $284,939 paid 2002: $40,338 paid 2003: $1,388,405 paid 2004: $2,645,967 paid 2005: $68,000 paid 2007: $130,731 paid 2008: $228,805 paid 2009: $22,785 paid 2010: $1,536,930 paid 2011: $114,140 paid 2013: $128,139 paid 2014: $0 paid 2015: $3,122 paid 2017: $9,531,806 paid 2018: $4,485 paid 2019: $91,774 paid 2022: $48,803 paid 2024: $314,345 paid 2017 · $9.5M 1978 2024
$37.3M
total paid
$26,944
average claim
$500K
largest single claim
67%
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. Thomas, VI and where it ranks among U.S. counties. It is not a verdict on whether St. Thomas 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.