St. Johns County, Florida: hazard risk
FEMA rates St. Johns County's overall risk Relatively Moderate (score 87.5 of 100, higher than 87% of rated U.S. counties); 3 of its 14 hazards are rated Relatively High or Very High, led by hurricane, lightning, coastal flooding. Its storm record holds 937 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Hurricane | Relatively High | 93.7 | $23M |
| Lightning | Relatively High | 92.2 | $2.0M |
| Coastal Flooding | Relatively High | 89.0 | $7.8M |
| Riverine Flooding | Relatively Moderate | 89.4 | $51M |
| Wildfire | Relatively Moderate | 89.4 | $1.8M |
| Tornado | Relatively Moderate | 85.4 | $7.6M |
| Heat Wave | Relatively Moderate | 82.2 | $2.4M |
| Strong Wind | Relatively Low | 39.2 | $574K |
| Drought | Relatively Low | 34.1 | $53K |
| Earthquake | Very Low | 56.6 | $552K |
| Landslide | Very Low | 19.5 | $156 |
| Cold Wave | Very Low | 18.7 | $288K |
| Hail | Very Low | 7.5 | $30K |
| Winter Weather | No Rating | 0.0 | $0 |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 339 | 0 | $1.7M | 5th of 67 | 346th of 3,080 |
| Hail | 121 | 0 | – | 8th of 67 | 1083rd of 3,080 |
| Heavy rain | 93 | 0 | $3K | 3rd of 67 | 50th of 3,080 |
| Floods | 85 | 0 | $50M | 4th of 67 | 555th of 3,080 |
| Tornadoes | 66 | 0 | $12M | 12th of 67 | 63rd of 3,080 |
| Lightning | 54 | 3 | $2.4M | 5th of 67 | 41st of 3,080 |
| Rip currents and high surf | 52 | 25 | $411K | 2nd of 67 | 20th of 2,080 |
| Hurricanes and tropical storms | 32 | 0 | $2.5B | 12th of 67 | 116th of 1,849 |
| Drought | 21 | 0 | – | 34th of 67 | 2070th of 3,063 |
| Wildfires | 14 | 0 | – | 9th of 67 | 117th of 2,972 |
| High wind and dust storms | 4 | 0 | $38K | 28th of 67 | 2669th of 3,080 |
| Winter storms | 3 | 0 | $523K | 31st of 67 | 3009th of 3,077 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full St. Johns County record: every hazard by year and month, the deadliest events and FEMA's declarations.