Storms, floods and disasters in St. Joe
St. Joe isn’t graded for hazard risk: St. Joe has 411 residents; we grade towns of 1,000 or more.
What St. Joe 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
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.
Does St. Joe flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in St. Joe. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
St. Joe isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: DeKalb County.1 federal disaster brought FEMA money to St. Joe
Disasters that paid out in St. Joe itself (aid to households or repair grants to the Town of St. Joe), newest first, with that year’s flood claims.
- 2008Severe Storms and Flooding1 households applied for aid$548 aid approved
DeKalb County has had 12 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of St. Joe after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the St. Joe archive →St. Joe 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 |
|---|---|---|---|
| Concord Township | Bless damage than 65% | river and rain flooding | 2 |
| Spencer Township | Bless damage than 65% | river and rain flooding | — |
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. Joe 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.
- 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. Joe
Is St. Joe 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 DeKalb County, 16% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in St. Joe?
FEMA’s Community Rating System list shows no discount for St. Joe’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. Joe?
By FEMA money that reached St. Joe, Severe Storms and Flooding (2008): 1 households applied for aid, $548 approved.
Storm stories
Memories, warnings and help from neighbors in St. Joe.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where St. Joe’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.