FEMA puts St. Augustine Shores’s expected hazard damage per building below that of 65% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, St. Augustine Shores gets a B for hazard risk: lower expected damage per building than 65% of U.S. towns, #6 of 638 in Florida. Most of that expected damage is river and rain flooding (50%), then hurricanes (36%). 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. Augustine Shores 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
Hurricanes
Tornadoes
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. Augustine Shores’ grade
River and rain flooding is 50% of the building damage FEMA expects in St. Augustine Shores, and St. Augustine Shores’ rate of river and rain flooding damage is lower than 78% of U.S. census tracts. Coastal flooding adds 4%, at a rate in the top 4% of U.S. census tracts.
B #6 of 638 in Florida; lower expected damage per building than 65% of U.S. towns (21,298).
St. Augustine Shores’ residents live in 3 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, St. Augustine Shores has less expected damage per building than 99% of Florida towns.
In dollars, FEMA expects about $1.7M a year in losses across St. Augustine Shores: $1.3M to buildings, the rest to people and crops.
Does St. Augustine Shores flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in St. Augustine Shores. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
St. Augustine Shores 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. Johns County.The storms St. Augustine Shores remembers
None of the 22 disasters declared for St. Johns County shows FEMA aid or repair money reaching St. Augustine Shores itself in FEMA’s records, so these are its biggest flood-claim years.
St. Johns County has had 22 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Get ready for what St. Augustine Shores 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.
- 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.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- 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. Augustine Shores
Is St. Augustine Shores at risk for natural disasters?
On FEMA’s National Risk Index, St. Augustine Shores has lower expected damage per building than 65% of U.S. towns: B for hazard risk, #6 of 638 in Florida. Most of the expected damage is river and rain flooding (50%) and hurricanes (36%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is St. Augustine Shores 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. Johns County, 23.2% of all homes carry federal flood insurance.
How much is flood insurance in St. Augustine Shores?
FEMA’s Community Rating System list shows no discount for St. Augustine Shores’ flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is St. Augustine Shores at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (50%), and St. Augustine Shores’ rate for it is lower than 78% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in St. Augustine Shores.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where St. Augustine Shores’ 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.