Enter any address in St. Lucie County, Florida to see its FEMA flood zone
Flood events, including tropical storms and flash floods, have been the most frequent weather-related hazards in St. Lucie County over the past 30 years. Recent events include Hurricane Milton in October 2024, which brought heavy rainfall and a tornado outbreak to the area, and Hurricane Helene in September 2024, which caused tropical storm conditions and minor damage.
National Flood Insurance Program (NFIP) data shows a significant number of claims filed in St. Lucie County. Zone A, which typically has a moderate flood risk, has the highest number of claims at 2,436, with an average payout of $23,435 and an average water depth of 3.5 feet. Zone X, representing areas with a low to moderate flood risk, has 741 claims. Properties in Zone V, designated for high-velocity wave action, have the highest average payout at $38,389 and an average water depth of 6.2 feet, though with fewer claims.
Homeowners in St. Lucie County, particularly those in Zone A and Zone V, as well as those in areas prone to flash flooding or storm surge, should pay close attention to their flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
22 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
St. Lucie County, Florida has recorded 26 flood-related events since 1996 according to NOAA's Storm Events Database, including 5 flash floods and 10 river or area floods. The county has received 38 federal disaster declarations, 1 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1965–2024)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Hurricane Milton | Hurricane | Oct 5, 2024 |
| Hurricane Nicole | Hurricane | Nov 7, 2022 |
| Tropical Storm Nicole | Tropical Storm | Nov 7, 2022 |
| Hurricane Ian | Hurricane | Sep 23, 2022 |
| Tropical Storm Ian | Hurricane | Sep 23, 2022 |
| Hurricane Isaias | Hurricane | Jul 31, 2020 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Hurricane Dorian | Hurricane | Aug 28, 2019 |
| Hurricane Irma | Hurricane | Sep 4, 2017 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Tropical Storm | Sep 26, 2024 | 0.00K |
| Flash Flood | Oct 9, 2024 | 0.00K |
| Tropical Storm | Oct 9, 2024 | — (1 deaths) |
| Storm Surge/Tide | Sep 29, 2022 | — |
| Tropical Storm | Sep 28, 2022 | 0.00K |
| Flood | Sep 27, 2022 | 0.00K |
| Tropical Storm | Nov 9, 2022 | — |
| Storm Surge/Tide | Nov 9, 2022 | 0.00K |
| Tropical Depression | Jun 3, 2022 | 0.00K |
| Flash Flood | Nov 21, 2021 | 5.00K |
Tropical Storm — Sep 26, 2024
Major Hurricane Helene paralleled the west coast of Florida about 100 miles offshore before making landfall in the Big Bend region of Florida near the city of Perry. The system's expansive wind field within its eastern periphery produced a period of tropical storm conditions, particularly in gusts, across much of east central Florida including its adjacent coastal waters. Peak wind gusts ranged...
Flash Flood — Oct 9, 2024
Hurricane Milton moved ashore the west-central Florida coast as a category 3 hurricane on Oct 9 around 1930EST. The system continued slowly in an east-northeast trajectory across central Florida, becoming a category 1 hurricane before emerging into the Atlantic Ocean near Cape Canaveral. The outer rainbands of Milton overspread the Florida peninsula earlier in the day, leading to a prolific tor...
Tropical Storm — Oct 9, 2024
Hurricane Milton moved ashore the west-central Florida coast as a category 3 hurricane on Oct 9 around 1930EST. The system continued slowly in an east-northeast trajectory across central Florida, becoming a category 1 hurricane before emerging into the Atlantic Ocean near Cape Canaveral. The outer rainbands of Milton overspread the Florida peninsula earlier in the day, leading to a prolific tor...
Storm Surge/Tide — Sep 29, 2022
After making landfall as a major hurricane in southwest Florida near Cayo Costa, Ian crossed the peninsula and into east central Florida (southern Osceola County) as a Category 1 Hurricane with estimated maximum sustained winds of 75 mph. The system was downgraded to a tropical storm shortly thereafter and emerged into the Atlantic Ocean near Cape Canaveral. Ian's slow movement and large wind f...
Tropical Storm — Sep 28, 2022
After making landfall as a major hurricane in southwest Florida near Cayo Costa, Ian crossed the peninsula and into east central Florida (southern Osceola County) as a Category 1 Hurricane with estimated maximum sustained winds of 75 mph. The system was downgraded to a tropical storm shortly thereafter and emerged into the Atlantic Ocean near Cape Canaveral. Ian's slow movement and large wind f...
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in St. Lucie County, Florida:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in St. Lucie County, Florida that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.