Storm risk in St. Lucie County, Florida
FEMA's overall hazard score for St. Lucie County is 96.06 (Relatively High), 125th of 3,144 counties. Hail scores 29.07 (Very Low), strong wind 89.98 (Relatively High) and tornado 82.76 (Relatively Moderate). Expected hail loss is $0.15 per $1 million of buildings a year; NOAA logged 26 hail reports in St. Lucie County from 2014 to June 2026.
FEMA National Risk Index, version December 2025, retrieved October 8, 2026. NOAA hail reports 2014 to June 2026.
- St. Lucie County, coloured by its FEMA rating
- all U.S. counties
- each county in the state
- U.S. median
- state median
Expected yearly loss per $1 million of buildings, log scale. Dot colour is FEMA’s rating band. The tornado lane counts everything exposed, not only buildings.
How FEMA rates St. Lucie County
| Hazard | Rating | Score (0 to 100) | Rank in U.S. | Rank in FL |
|---|---|---|---|---|
| Overall | Relatively High | 96.06 | 125 of 3,144 | 15 of 67 |
| Hail | Very Low | 29.07 | 2,231 of 3,126 | 20 of 67 |
| Strong wind | Relatively High | 89.98 | 316 of 3,126 | 14 of 67 |
| Tornado | Relatively Moderate | 82.76 | 543 of 3,126 | 31 of 67 |
Expected yearly loss, in dollars
| Hazard | This county, total a year | Per $1M of buildings | State median county | U.S. median county | Rank per $1M, U.S. | Rank per $1M, state |
|---|---|---|---|---|---|---|
| Hail | $7,545 | $0.15 | $0.46 | $22 | 3,053 of 3,126 | 64 of 67 |
| Strong wind | $950,624 | $19 | $8.40 | $20 | 1,623 of 3,121 | 16 of 67 |
| Tornado | $4,130,504 | $83 | $176 | $199 | 2,161 of 3,144 | 52 of 67 |
Rank 1 is the highest. Overall, hail and wind losses count buildings; the tornado row counts everything FEMA exposes, so it overstates building damage. Expected annual loss is an average over many years for the whole county, not a forecast for one roof.
What stands out in St. Lucie County
- FEMA expects hail in St. Lucie County to cost $0.15 per $1 million of buildings a year: 0.007 times the U.S. median and 0.33 times the FL county median, ranked 3,053rd of 3,126 counties nationally and 64th of 67 in Florida.
- FEMA expects strong wind in St. Lucie County to cost $19 per $1 million of buildings a year: 0.94 times the U.S. median and 2.27 times the FL county median, ranked 1,623rd of 3,121 counties nationally and 16th of 67 in Florida.
- FEMA expects tornado in St. Lucie County to cost $83 per $1 million of buildings a year: 0.42 times the U.S. median and 0.47 times the FL county median, ranked 2,161st of 3,144 counties nationally and 52nd of 67 in Florida.
- Applying FEMA's estimate to a $305,800 home, the average yearly loss in St. Lucie County is about $0.05 for hail and $5.84 for wind before any deductible; at the U.S. median county rates it would be $6.83 and $6.23.
- If the next years look like 2014 to 2025, a roof kept 20 years in St. Lucie County meets about 18.3 hail days of 1 inch or more; the median county in NOAA's file (1,275 counties) would give 35.0.
- Built in 1994, the median home in St. Lucie County is 32 years old, so an original roof has outlived a 3-tab shingle (15 to 20 years) and an architectural one (25 to 30 years); 59.6% of its 154,930 homes are at least 26 years old.
- March to June holds 19 of the 26 hail reports in St. Lucie County (73 percent); the quietest month is June, with 0 reports.
What hail and wind cost a home here in an average year
Enter a home value. The calculator applies St. Lucie County’s own loss rate: the county’s expected yearly loss divided by the value of its buildings. It starts at the Census median home value for the county.
Formula: home value × St. Lucie County yearly loss ÷ building value. Hail: $7,545 ÷ $49,741,130,324 = 0.0000002. Wind: $950,624 ÷ $49,741,130,324 = 0.0000191. This is FEMA’s estimate of average damage to buildings and does not account for your deductible. Tornado is left out because FEMA’s tornado loss counts people and other exposure, not only buildings.
Read this as a yardstick. The rate is an average over every building in the county, from sheds to office towers, and over many years. Real losses come in rare, large storms; a roof with no damage in 19 years can need full replacement in the 20th. The figure is not a quote and not a prediction for one address.
St. Lucie County in plain numbers
- St. Lucie County scores 96.06 in FEMA's overall hazard index (Relatively High): 125th of 3,144 rated counties and 15th of 67 in Florida.
- Hail scores 29.07 (Very Low). FEMA expects $7,545 of hail damage to buildings in St. Lucie County a year, which is $0.15 per $1 million of buildings, 0.007 times the U.S. median.
- Strong wind scores 89.98 (Relatively High) with $950,624 of expected yearly building loss in St. Lucie County: $19 per $1 million of buildings, 0.94 times the U.S. median.
- Tornado scores 82.76 (Relatively Moderate) and FEMA's expected yearly tornado loss is $4,130,504, counting everything exposed, or $83 per $1 million of buildings in St. Lucie County.
- FEMA's own event record for St. Lucie County averages 0.90 hail events and 0.59 strong-wind events a year.
- NOAA logged 26 hail reports in St. Lucie County between 2014 and June 2026, on 12 days with stones of 1 inch or more; the largest was 2 inches.
- In St. Lucie County, FEMA counts buildings worth 49.74 billion dollars and 328,876 residents.
- Social vulnerability is Relatively Moderate in St. Lucie County.
- Community resilience there is Relatively Moderate, for 328,876 residents.
- 1 city in St. Lucie County is covered on this site: Port St Lucie. 14 Census ZIP areas have more than half of their land in the county.
- Our guide range for a 2,000 sq ft asphalt roof in Port St Lucie is $7,350 to $16,275.
- St. Lucie County ranks 191 of the 194 counties with a page here for hail loss per $1 million of buildings, 66 for wind and 157 for tornado.
- In St. Lucie County, April is the busiest month with 9 of the 26 reports (35 percent), against 0 reports in October.
- St. Lucie County's worst year was 2022, with 2 hail days at 1 inch or more and 5 reports. At the 2014 to 2025 pace that is 0.92 such days a year, one about every 13.1 months.
- The median home in St. Lucie County was built in 1994; 20.9% of its 154,930 housing units date from before 1980, 59.6% from before 2000 and 13.6% from 2010 on.
- Census puts the median home value in St. Lucie County at $305,800, and 77.7% of homes are lived in by their owners.
- 38,131 single-family building permits were issued in St. Lucie County from 2014 to 2025, about 246.1 per 1,000 homes, peaking in 2021.
- NOAA lists 13 tornado tracks in St. Lucie County since 2014; the strongest was an EF3 on October 9, 2024 near Ft Pierce Nelson Arp, 12.97 miles long.
- The fastest gust in NOAA's records for St. Lucie County is 100 mph on March 23, 2017 at Ft Pierce Nelson Arp.
- The nearest county with a page here is Brevard County, 66 miles from the centre of St. Lucie County; its hail score is 35.08.
- Across counties the median is one roofing firm for every 5,189 homes; Census counted 33 roofing contractor establishments in St. Lucie County in 2023, one for every 4,695 homes.
The hail record of St. Lucie County, year by year
NOAA logged 26 reports in St. Lucie County; hail of 1 inch or more fell on 12 days. That is 0.9 such days a year; the median county in NOAA’s file has 1.8.
- reports
- days with hail of 1 inch or more
- * 2026 runs to June only
Reports by calendar month, all years together. Peak: April, 9 reports.
The same numbers as a table (years with at least one report)
| Year | Reports | Days, 1 inch or more | Days, 1.75 inch or more | Largest stone | Damage reported |
|---|---|---|---|---|---|
| 2014 | 1 | 0 | 0 | 0.75 in | – |
| 2015 | 1 | 1 | 0 | 1.25 in | – |
| 2016 | 2 | 1 | 0 | 1 in | – |
| 2019 | 3 | 1 | 1 | 1.75 in | – |
| 2020 | 3 | 2 | 0 | 1.25 in | – |
| 2022 | 5 | 2 | 1 | 2 in | – |
| 2023 | 5 | 2 | 1 | 1.75 in | – |
| 2024 | 2 | 1 | 0 | 1.5 in | – |
| 2025 | 3 | 1 | 1 | 2 in | – |
| 2026 (to June) | 1 | 1 | 0 | 1 in | – |
Biggest hail days in St. Lucie County
| Date | Largest stone | Reports that day | Damage reported | Near |
|---|---|---|---|---|
| January 10, 2022 | 2 in | 4 | none recorded | Ft Pierce Nelson Arp |
| May 5, 2025 | 2 in | 3 | none recorded | Ft Pierce Beach |
| April 16, 2023 | 1.75 in | 4 | none recorded | White City |
| April 5, 2019 | 1.75 in | 3 | none recorded | Port St Lucie |
| May 19, 2024 | 1.5 in | 2 | none recorded | Harmony Hgts |
Where large hail was reported
FEMA scores the county as a whole. NOAA’s reports show where inside St. Lucie County the big stones fell.
Reported hail locations, St. Lucie County
- 151 to 1.74 in
- 81.75 to 2.74 in, golf ball to tennis ball
- 02.75 in and up, baseball
Largest plotted stone: 2 in. Bigger dots are bigger stones.
23 reports of 1 inch or larger have coordinates. Each dot is a reported location, not a storm path.
Sources: NOAA, Census county outlineWind and tornado records for St. Lucie County
Fastest gusts in St. Lucie County
| Date | Gust | Near |
|---|---|---|
| March 23, 2017 | 100 mph | Ft Pierce Nelson Arp |
| April 26, 2023 | 79 mph | Ankona |
| March 26, 2015 | 64 mph | White City |
| March 10, 2025 | 64 mph | Ft Pierce Nelson Arp |
Strongest tornado tracks in St. Lucie County
| Date | Scale | Length | Injured / killed | Near |
|---|---|---|---|---|
| October 9, 2024 | EF3 | 12.97 mi | 0 / 6 | Ft Pierce Nelson Arp |
| October 9, 2024 | EF1 | 14.27 mi | 0 / 0 | Port St Lucie |
| October 9, 2024 | EF1 | 11.8 mi | 0 / 0 | Port St Lucie |
| October 9, 2024 | EF1 | 8.5 mi | 0 / 0 | Ft Pierce St Lucie A |
13 tornado tracks in all since 2014; the strongest 4 are listed.
How old the roofs are
Census counts homes by the decade they were built. Under each bar is the number of hail days of 1 inch or more that an original roof from that decade has met, at St. Lucie County’s 2014 to 2025 pace of 0.92 such days a year. Most roofs have been replaced since; the row shows what a roof that never was would have taken.
Bars: share of 154,930 housing units by decade built. Figures under the decade: hail days met by an original roof, at the county’s 2014 to 2025 pace. The pace of earlier years is unknown.
| Median year built | 1994 |
| Built before 1980 | 20.9% |
| Built before 2000 | 59.6% |
| Built since 2010 | 13.6% |
| Owner-occupied | 77.7% |
| Median home value | $305,800 |
| Single-family permits, 2014 to 2025 | 38,131 |
| Permits per 1,000 homes | 246.1 |
Asphalt shingles are rated 15 to 20 years (3-tab) and 25 to 30 years (architectural). Source: Census ACS 2019 to 2023 and Building Permits Survey.
Roofers and past disasters in St. Lucie County
Roofing firms in St. Lucie County
| Roofing contractor establishments, 2023 | 33 |
| Change since 2016 | +14 (+74%) |
| Homes per roofing firm | 4,695 |
| Median across counties | 5,189 |
| Employees, 2023 | 424 |
Source for St. Lucie County: Census County Business Patterns, NAICS 238160.
Nearby counties
The closest counties that have a risk page, by distance between county centres. Loss is per $1 million of buildings; the columns marked "times here" divide the neighbour's loss by St. Lucie County's.
| County | Miles | Overall | Hail loss | Hail, times here | Wind loss | Wind, times here | NOAA hail reports |
|---|---|---|---|---|---|---|---|
| Brevard County, FL | 66 | Relatively High | $0.31 | 2.07 | $3.68 | 0.19 | 60 |
| Polk County, FL | 84 | Relatively High | $2.01 | 13.22 | $194 | 10.14 | 33 |
| Lee County, FL | 108 | Relatively High | $0.13 | 0.86 | $3.59 | 0.19 | 18 |
| Sarasota County, FL | 118 | Relatively High | $0.24 | 1.59 | $5.33 | 0.28 | 3 |
| Volusia County, FL | 122 | Relatively High | $0.37 | 2.44 | $4.85 | 0.25 | 48 |
| Pinellas County, FL | 144 | Relatively High | $14 | 89.62 | $2.82 | 0.15 | 7 |
More Florida counties, nearest first
- Flagler County 153 mi
- Marion County 163 mi
- Alachua County 197 mi
- Leon County 319 mi
- Escambia County 476 mi
Cities and ZIP areas in St. Lucie County
1 city in this county is on PickARoofer. ZIP Code Tabulation Areas are Census shapes that approximate ZIP codes; where we have a city’s ZIPs, the share is the part of each area’s land that lies in this county. 14 such areas have more than half their land here.
| City | ZIP areas (share of land in the county) | Pages |
|---|---|---|
| Port St Lucie | 34952 (100%), 34986 (100%), 34953 (100%), 34987 (100%) | Roofers |
Storm hit your roof in St. Lucie County? A free inspection tells you if there is damage. One local roofer answers, not five.
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How high is storm risk in St. Lucie County?
FEMA's National Risk Index gives St. Lucie County an overall score of 96.06 (Relatively High), 125th of 3,144. Hail scores 29.07 (Very Low), strong wind 89.98 (Relatively High) and tornado 82.76 (Relatively Moderate).
In St. Lucie County, how many hail reports has NOAA logged?
A report is one entry for one storm in one county, so counts follow where people live as well as where hail fell. NOAA has 26 for St. Lucie County between 2014 and June 2026, on 12 days with hail of 1 inch or more; the largest stone was 2 inches.
What do hail and wind cost a home in St. Lucie County each year, on average?
Applying FEMA's county rates to its median home value of $305,800: FEMA's estimate is about $0.05 a year for hail and $5.84 for wind, before any deductible, against $6.83 and $6.23 at the U.S. median county rates. This is an average over many years and all buildings, not a prediction for one roof; one bad storm costs far more than the average year.
How does St. Lucie County compare with the rest of Florida?
Per $1 million of buildings St. Lucie County loses $0.15 to hail a year, against $0.46 in the median county of the state. Among 67 rated counties it is 20th for hail, 14th for strong wind and 31st for tornado.
How old are the roofs in St. Lucie County?
The median home was built in 1994, 32 years ago, and 59.6% of the 154,930 housing units in St. Lucie County date from before 2000. Asphalt shingles are rated 15 to 20 years (3-tab) or 25 to 30 years (architectural), so an original roof of either kind is past its rated life. The Census does not record when a roof was replaced.
What does expected annual loss mean?
It is FEMA's estimate of the average yearly loss from a hazard, in dollars, summed over the county. It is built for comparing counties at planning level, not for pricing one house.
Does a high rating mean my roof will be damaged?
No. The index compares counties and cannot say what will happen on your street. After a storm, a roof inspection is the only way to know.
Sources for St. Lucie County: FEMA National Risk Index, version December 2025, retrieved October 8, 2026; NOAA Storm Events Database hail reports for St. Lucie County; Census Bureau ZCTA-to-county relationship file (2020); Census ACS and Building Permits Survey, homes in St. Lucie County; Census County Business Patterns, roofing firms in St. Lucie County. Planning-level information about St. Lucie County, not an inspection and not insurance advice.
This product uses the Federal Emergency Management Agency's National Risk Index dataset but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).