Updated May 2026
Flood Risk in VI
VI sits in the middle of the U.S. flood-risk distribution with an average composite score of 16. 0 of 4 counties carry an F grade, and the state has logged 60 NFIP claims to date — meaningful volume, mostly concentrated in a few river-adjacent or low-lying regions rather than spread evenly.
Grade Distribution Across VI
The grade mix is dominated by A — 100% of counties — meaning the typical place in this state has very low historical flood loss. The handful of B/C/D/F counties below define where risk is concentrated.
How VI Compares Nationally
The U.S. county-level average composite score is 12. VI sits at 16, which is 4 points above the national average — meaningfully more flood-exposed than the typical U.S. state. 60 federal flood-related disaster declarations across 4 counties is one of the highest counts in the dataset — about 15.0 per county. Most counties have lived through multiple federally declared floods.
For full national context — every state ranked by average score and total claims — see the all-states overview. The riskiest-counties ranking and highest-payouts ranking drill into where loss is concentrated. Real-time stream-gauge readings are at USGS Water Data.
Riskiest in VI
| County | Grade | Score |
|---|---|---|
| St. John | A | 18 |
| St. Thomas | A | 18 |
| St. Croix | A | 17 |
| Statewide | A | 9 |
Safest in VI
| County | Grade | Score |
|---|---|---|
| Statewide | A | 9 |
| St. Croix | A | 17 |
| St. John | A | 18 |
| St. Thomas | A | 18 |
How VI's Risk Is Calculated
Every county in VI is scored on the same four factors that drive every county nationwide: NFIP claims density (40%), federally declared flood-disaster frequency (25%), average claim severity (20%), and year-over-year trend (15%). Source data comes from the public FEMA flood-mapping program and OpenFEMA endpoints. Detailed weighting math, plus the data's known limitations (county-level granularity, NFIP-participation bias, historical bias), is on the methodology page.
All 4 Counties in VI
Sorted by flood risk score, highest to lowest.
| # | County | Grade | Score | Claims | Payouts | Disasters |
|---|---|---|---|---|---|---|
| 1 | St. John | A | 18 | 1 | $34,761 | 20 |
| 2 | St. Thomas | A | 18 | 26 | $897,562 | 20 |
| 3 | St. Croix | A | 17 | 33 | $1,953,777 | 18 |
| 4 | Statewide | A | 9 | 0 | $0 | 2 |
Frequently Asked Questions
What is the average flood risk score in VI?
VI's average composite flood risk score is 16 on a 0–100 scale, computed as the mean of all 4 county scores. That is 4 points above the U.S. county-level average of 12. Score components: 40% claims density, 25% disaster frequency, 20% claim severity, 15% trend.
Which counties in VI have the highest flood risk?
The riskiest county in VI is St. John with a composite score of 18 (grade A). The next four — St. Thomas, St. Croix, Statewide — round out the top-five most exposed places in the state.
How many NFIP flood-insurance claims has VI filed?
FEMA's National Flood Insurance Program shows 60 claims on file from VI, with combined payouts of $2,886,100 across the dataset. 3 of the state's 4 counties have at least one NFIP claim recorded.
Are FEMA flood maps the same as your risk score?
No. The flood risk score on this page is a county-wide composite drawn from claims, disasters, severity, and trend. FEMA Flood Insurance Rate Maps (FIRMs, available at fema.gov/flood-maps) are parcel-level zone designations based on hydrologic modeling. The two answer different questions; serious decisions about insurance or building should use both, plus real-time hydrology from USGS Water Data.
When was the VI data last updated?
These figures were refreshed from the OpenFEMA API on 2026-05-16. FEMA itself publishes new NFIP claims on a quarterly cycle, so the data may lag actual events by up to three months.
Flood risk profile for VI: 4 counties, 60 NFIP claims, average composite score 16.
For this entity, the underlying data on this page comes from FEMA OpenFEMA datasets including the National Flood Hazard Layer and NFIP claims. The breakdown above is the federal record; the paragraphs below add the per-entity context that makes the headline numbers usable for a real decision rather than just a data lookup.
The methodology behind every numeric value on this page is publicly documented on the FEMA OpenFEMA datasets including the National Flood Hazard Layer and NFIP claims portal and described in detail on this site’s methodology page. Refresh cadence varies by underlying series; the page surfaces the as-of date for each number so readers can trace any figure back to the source release.
For readers using this page as a decision input, the related-entity pages elsewhere on the site provide the comparison set. The most useful comparison for this entity is typically a peer within U.S. ZIPs, counties, and states with similar size, similar exposure, or similar geography — not the national-level summary alone.