Natural Disaster Risk in Saint Bernard
Louisiana
Risk Summary for Saint Bernard
Saint Bernard scores 5.2/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Hurricane.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — 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 Bernard, Louisiana
Saint Bernard is a town of roughly 4,736 residents in St. Bernard County, along the Gulf Coast. The area experiences very hot summers, mild winters, and exceptionally high humidity, with a lengthy hurricane and tropical storm season shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Saint Bernard.
According to FEMA's National Risk Index, Saint Bernard carries an overall risk score of 5.2/10, placing it in the moderate category. Hurricane risk defines the natural hazard environment here, requiring residents to maintain seasonal preparedness plans and insurance coverage for wind and flood damage. The area also faces notable exposure to coastal flood and lightning.
Saint Bernard's risk score, slightly below the 6.1/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for St. Bernard County, the highest-scoring are hurricane, coastal flood, and lightning. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
Saint Bernard's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that hurricane exposure is adequately protected is a worthwhile step for property owners.
What this means for Saint Bernard: Hurricane preparedness
- Wind damage is usually covered by homeowners insurance, but storm-surge flooding requires separate flood coverage.
- Know your evacuation zone and route before hurricane season begins each June.
- Keep at least a week of supplies on hand; power and water service can be disrupted for days after landfall.
Local Factors for Saint Bernard
These city-level factors differentiate Saint Bernard from other communities in St. Bernard County and provide geographic context for its hazard exposure.
Population
4,736
Small TownGeographic Zone
Gulf Coast
Hurricane, surge & flood risk
Climate Band
Warm Subtropical
Latitude 29.8°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 4.6/10
Coordinates
29.8163° N, 89.7613° W
St. Bernard 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 Bernard
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Saint Bernard
Other cities in Louisiana
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.