St. Lucie Village Historic District · Photo: Ebyabe · CC BY-SA 3.0Storms, floods and disasters in St. Lucie Village
St. Lucie Village isn’t graded for hazard risk: St. Lucie Village has 714 residents; we grade towns of 1,000 or more. Flood insurance has paid 77 claims here since 1995.
What St. Lucie Village 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.
Does St. Lucie Village flood? Sometimes: 77 flood claims since 1995
Every paid claim on a federal flood insurance policy in St. Lucie Village, from FEMA’s records.
- Hurricane Frances49 claims · $2.2M
- Hurricane Jeanne7 claims · $220K
- Hurricane Nicole6 claims · $304K
St. Lucie Village 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.4 federal disasters brought FEMA money to St. Lucie Village
Disasters that paid out in St. Lucie Village itself (aid to households or repair grants to the Town of St. Lucie Village), newest first, with that year’s flood claims.
- 2017Hurricane Irma1 households applied for aid$30K to the Town of St. Lucie Village for repairs5 flood claims paid for it, $353K
- 2016Hurricane Matthew$26K to the Town of St. Lucie Village for repairs2 flood claims paid that year
- 2004Hurricane Frances$40K to the Town of St. Lucie Village for repairs49 flood claims paid for it, $2.2M
- 1999Fl-hurricane Irene-dr-req$825 to the Town of St. Lucie Village for repairs2 flood claims paid for it, $14K
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 St. Lucie Village after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the St. Lucie Village archive →St. Lucie Village and its neighbors
How expected damage per building compares across the town line. 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 |
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 St. Lucie Village 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 St. Lucie Village
Does St. Lucie Village flood?
Flood insurance has paid 77 claims in St. Lucie Village since 1995, $3.3M in all. 10 properties have flooded more than once. The most claims came from Hurricane Frances (49).
Is St. Lucie Village 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 St. Lucie Village?
FEMA’s Community Rating System list shows no discount for St. Lucie Village’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 St. Lucie Village?
By FEMA money that reached St. Lucie Village, Hurricane Frances (2004): $40K to the Town of St. Lucie Village for repairs. By flood claims, Hurricane Frances: 49 paid, $2.2M.
Storm stories
Memories, warnings and help from neighbors in St. Lucie Village.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where St. Lucie Village’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.