Casa Caprona · Photo: SebasTorrente · CC BY-SA 3.0More hazard damage per building is expected in Fort Pierce North than in 94% of U.S. towns, mostly from hurricanes
On FEMA’s National Risk Index, Fort Pierce North gets a D for hazard risk: higher expected damage per building than 94% of U.S. towns, #567 of 638 in Florida. Most of that expected damage is hurricanes (79%), then river and rain flooding (18%). Flood insurance has paid 11 claims here since 2004.
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 Fort Pierce North faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hurricanes
River and rain flooding
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 Fort Pierce North’s grade
Hurricanes are 79% of the building damage FEMA expects in Fort Pierce North, and Fort Pierce North’s rate of hurricanes damage is in the top 2% of U.S. census tracts. Next is river and rain flooding at 18% (lower than 65% of U.S. census tracts).
D #567 of 638 in Florida; higher expected damage per building than 94% of U.S. towns (21,298).
Fort Pierce North’s residents live in 4 census tracts; FEMA’s figures are combined by where they live.
The typical Florida town has higher expected damage than 79% of U.S. towns; within the state, Fort Pierce North has more expected damage per building than 89% of Florida towns.
In dollars, FEMA expects about $4.1M a year in losses across Fort Pierce North: $3.7M to buildings, the rest to people and crops.
Does Fort Pierce North flood? Sometimes: 11 flood claims since 2004
Every paid claim on a federal flood insurance policy in Fort Pierce North, from FEMA’s records: 3.6 per 1,000 homes, more than 52% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Fay5 claims · $20K
- Hurricane Irma3 claims · $213K
- Hurricane Frances1 claim · $2K
Fort Pierce North isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: St. Lucie County.The storms Fort Pierce North remembers
None of the 26 disasters declared for St. Lucie County shows FEMA aid or repair money reaching Fort Pierce North itself in FEMA’s records, so these are its biggest flood-claim years.
- 20085 flood claims paidThe year of Tropical Storm Fay, declared for St. Lucie County
- 20173 flood claims paidThe year of Hurricane Irma, declared for St. Lucie County
- 20142 flood claims paidNo declaration for the county that year
St. Lucie County has had 26 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.
Also 2 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in St. Lucie County, 1999–2007.
Old photos of Fort Pierce North after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Fort Pierce North archive →Fort Pierce North and its neighbors
Fort Pierce North is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Fort Pierce | Dmore damage than 94% | hurricanes | 807 |
| Fort Pierce North | Dmore damage than 94% | hurricanes | 11 |
| St. Lucie Village | — | 714 residents; we grade 1,000+ | |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Fort Pierce North faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- 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.
- 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 Fort Pierce North
Is Fort Pierce North at risk for natural disasters?
On FEMA’s National Risk Index, Fort Pierce North has higher expected damage per building than 94% of U.S. towns: D for hazard risk, #567 of 638 in Florida. Most of the expected damage is hurricanes (79%) and river and rain flooding (18%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Fort Pierce North flood?
Flood insurance has paid 11 claims in Fort Pierce North since 2004, $267K in all, or 3.6 per 1,000 homes, more than 52% of U.S. towns with a flood insurance record. The most claims came from Tropical Storm Fay (5).
Is Fort Pierce North 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 St. Lucie County, 44% of homes in mapped flood zones carry federal flood insurance, and 8.7% of all homes do.
How much is flood insurance in Fort Pierce North?
FEMA’s Community Rating System list shows no discount for Fort Pierce North’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Fort Pierce North?
By flood claims, Tropical Storm Fay: 5 paid, $20K.
Is Fort Pierce North at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (79%), and Fort Pierce North’s rate for it is in the top 2% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Fort Pierce North.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Fort Pierce North’s 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.