Natural Disaster Risk in Saint Simons Island
Georgia
Risk Summary for Saint Simons Island
Saint Simons Island scores 6.3/10 (High risk), above the U.S. average of 4.5. The leading hazard is Coastal Flooding.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π What this means for insurance
Above-average risk β check your policy limits
Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Saint Simons Island, Georgia
Saint Simons Island, in Glynn County, is a city of approximately 17,780 residents situated near the Atlantic Coast of the southeastern United States. Its humid subtropical climate brings hot, humid summers and relatively mild winters, and in particular an active tornado and severe thunderstorm season in spring. These conditions collectively define the natural hazard environment that Saint Simons Island residents and property owners must navigate.
Saint Simons Island's overall natural disaster risk is rated 6.3/10 (High) by FEMA's National Risk Index. The risk of coastal inundation tops the local hazard profile, with the area exposed to storm surge, tidal flooding, and wave action during major coastal storm events. Secondary hazards include hurricane and wildfire.
Within Georgia, Saint Simons Island's risk is, slightly above the 5.2/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Glynn County identifies coastal flood as the foremost hazard, followed by hurricane and wildfire. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a high natural disaster risk rating, Saint Simons Island residents benefit from taking preparedness seriously. Reviewing insurance coverage for coastal flood and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.
What this means for Saint Simons Island: 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 Simons Island
These city-level factors differentiate Saint Simons Island from other communities in Glynn County and provide geographic context for its hazard exposure.
Population
17,780
SuburbanGeographic Zone
SE Atlantic Coast
Hurricane & coastal flood risk
Climate Band
Warm Subtropical
Latitude 31.2Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate β seasonal fire risk
Fire score: 9.3/10
Coordinates
31.2359Β° N, 81.3553Β° W
Glynn 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 Simons Island
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Saint Simons Island
Other cities in Georgia
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.