Natural Disaster Risk in St. Mary County
Louisiana
Risk Summary for St. Mary County
St. Mary County scores 6.2/10 (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
🏠 What this means for insurance
Above-average risk — 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: St. Mary County, Louisiana
St. Mary County is located in the United States in Louisiana, home to roughly 49,313 residents. The county experiences very hot summers, mild winters, and exceptionally high humidity, with a lengthy hurricane and tropical storm season shaping the natural hazards faced by its communities. FEMA assesses risk at this county level, providing the baseline for every city and ZIP code within its boundaries.
According to FEMA's National Risk Index, St. Mary County carries an overall risk score of 6.2/10, placing it in the high category. Coastal flood risk defines the local natural hazard environment, with sea-level rise trends gradually increasing the frequency of tidal flooding events alongside storm surge threats. The area also faces notable exposure to hurricane and drought.
St. Mary County's risk score, near 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. Mary County, the highest-scoring are coastal flood, hurricane, and drought. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a high natural disaster risk rating, St. Mary County 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 St. Mary County: Coastal Flooding preparedness
- 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.
- Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.
Cities in St. Mary County
ZIP codes in St. Mary County
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. For informational purposes only.