Photo: Mr. Matté (if there is an issue with this image, contact me using this image's Commons talk page, my Commons user talk page, or my English Wikipedia user talk page; I'll know about it a lot faster) · CC BY-SA 3.0For coastal flooding, St. Georges’s building-damage rate is in the top 1% of U.S. census tracts
On FEMA’s National Risk Index, St. Georges gets a B for hazard risk: lower expected damage per building than 57% of U.S. towns. Most of that expected damage is river and rain flooding (61%), then coastal flooding (25%). FEMA’s files show no paid flood insurance claims here.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What St. Georges faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Coastal flooding
Earthquakes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind St. Georges’ grade
River and rain flooding is 61% of the building damage FEMA expects in St. Georges, and St. Georges’ rate of river and rain flooding damage is lower than 56% of U.S. census tracts. Coastal flooding adds 25%, at a rate in the top 1% of U.S. census tracts.
B lower expected damage per building than 57% of U.S. towns (21,298).
St. Georges’ residents live in 4 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.2M a year in losses across St. Georges: $796K to buildings, the rest to people and crops.
Does St. Georges flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in St. Georges. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
St. Georges isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: New Castle County.The storms St. Georges remembers
None of the 13 disasters declared for New Castle County shows FEMA aid or repair money reaching St. Georges itself in FEMA’s records, so these are its biggest flood-claim years.
New Castle County has had 13 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Get ready for what St. Georges faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Know your evacuation zone and the way off the coast.
- Storm surge comes fast: leave when you’re told, not when the water arrives.
- Move cars to high ground before king tides and nor’easters.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in St. Georges
Is St. Georges at risk for natural disasters?
On FEMA’s National Risk Index, St. Georges has lower expected damage per building than 57% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (61%) and coastal flooding (25%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is St. Georges in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In New Castle County, 45% of homes in mapped flood zones carry federal flood insurance, and 0.9% of all homes do.
How much is flood insurance in St. Georges?
FEMA’s Community Rating System list shows no discount for St. Georges’ flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is St. Georges at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (61%), and St. Georges’ rate for it is lower than 56% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in St. Georges.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where St. Georges’ residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.