🌍 ClimateRiskCheck

Natural Disaster Risk in Saint Augustine

Florida

5.6out of 10
Moderate Risk

Risk Summary for Saint Augustine

Saint Augustine scores 5.6/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Coastal Flooding.

Top Hazards

Coastal Flooding Hurricane Lightning

All 18 Hazard Scores

Coastal Flooding
9.8
Hurricane
9.6
Lightning
9.3
Wildfire
9.1
Tornado
8.7
Extreme Heat
8.5
Earthquake
6.2
Tsunami
5.4
Volcanic Activity
5.1
Strong Wind
4.7
Avalanche
4.5
Drought
4.2
Landslide
3.0
Cold Wave
2.9
Hail
1.9
Ice Storm
1.3
Winter Weather
1.2
Riverine Flooding
1.0

How it compares

Saint Augustine
5.6
Florida avg.
5.7
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” standard coverage usually sufficient

This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Saint Augustine, Florida

Saint Augustine, in St. Johns County, is a city of 53,071 residents situated near the Atlantic Coast of the southeastern United States. Its tropical climate brings warm temperatures year-round and high humidity, and in particular a June–November hurricane season that defines the risk landscape. These conditions collectively define the natural hazard environment that Saint Augustine residents and property owners must navigate.

According to FEMA's National Risk Index, Saint Augustine carries an overall risk score of 5.6/10, placing it in the moderate category. Coastal flooding is the dominant hazard, with storm surge from tropical systems and nor'easters capable of inundating low-lying shoreline areas well above normal tidal levels. The area also faces notable exposure to hurricane and lightning.

Within Florida, Saint Augustine's risk is, near the 5.7/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of St. Johns County identifies coastal flood as the foremost hazard, followed by hurricane and lightning. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, Saint Augustine residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for coastal flood is recommended.

What this means for Saint Augustine: Coastal Flooding preparedness

  • Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.
  • Coastal flood and storm-surge damage requires separate flood insurance, not standard homeowners coverage.
  • Know your evacuation zone and monitor tidal and surge forecasts during coastal storms.

Local Factors for Saint Augustine

These city-level factors differentiate Saint Augustine from other communities in St. Johns County and provide geographic context for its hazard exposure.

Population

53,071

Urban

Geographic Zone

SE Atlantic Coast

Hurricane & coastal flood risk

Climate Band

Warm Subtropical

Latitude 29.9Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 9.1/10

Coordinates

29.9285Β° N, 81.5221Β° W

St. Johns County

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for Saint Augustine

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Saint Augustine

Other cities in Florida

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.