flooded street in front of suburban houses with a yellow 'HIGH WATER' street mostly submerged in flood waters

Community Rating System

St. Lucie County participates in the Community Rating System (CRS), which is a voluntary incentive program that recognizes and encourages community floodplain management practices that exceed the minimum requirements of the National Flood Insurance Program. Over 1,500 communities participate nationwide.

In CRS communities, flood insurance premium rates are discounted to reflect the reduced flood risk resulting from the community’s efforts that address the three goals of the program:

  • Reduce and avoid flood damage to insurable property
  • Strengthen and support the insurance aspects of the National Flood Insurance Program
  • Foster comprehensive floodplain management

For more information on the CRS, please visit the Federal Emergency Management Agency (FEMA) website at Community Rating System | FEMA.gov


Local Flood Hazard

St. Lucie County faces various local flood hazards due to its low-lying topography and proximity to water bodies. The county is susceptible to flooding from heavy rainfall, tropical storms, hurricanes, and storm surge; all of which are common occurrences in the region. Over the past decade, several storms/events have caused heavy rainfall and flooding:

  • Hurricane Irma (2017) - Brought significant rainfall and storm surge, leading to widespread flooding.
  • Hurricane Dorian (2019) - Despite not making direct landfall, it resulted in increased precipitation and flood concerns.
  • Hurricane Ian (2022) - Contributed to heavy rainfall on already saturated soil, causing flooding within the county.
  • Hurricane Nicole (2022) - Direct impacts included elevated rainfall and storm surge, causing flooding in the coastal areas within the county.

These events, occurring between 2012 and 2022, highlight the vulnerability of St. Lucie County to various weather-related challenges, emphasizing the importance of effective flood preparedness and mitigation strategies for both residents and local authorities.


Flood Preparation Videos

When the Clouds Form
When the Waves Swell

Flood Protection FAQ

How do I insure my property for my flood hazard?
How can I be protected from the hazard?
How can I protect my property from the hazard?
How do I build responsibly?
How can I protect natural floodplain functions?
Tips for Hurricane Season
Can flooding happen outside a special flood hazard area?
Flood Mitigation
Working to protect our waterways

Stations Servicing the St. Lucie County Area