St. Marys, Georgia Flood Zones
Last updated: March 2026
St. Marys sits along the St. Marys River near its outlet to the Atlantic Ocean and faces both riverine and coastal flooding. Hurricane storm surge and tidal flooding threaten the historic waterfront and low-lying neighborhoods.
Camden County has recorded 345 NFIP flood insurance claims since 1978, totaling $6.3M in payouts. Explore the full NFIP claims data by state and county to see how this area compares nationally.
FEMA Region
Region 4
NFIP Policies
3,415
Camden County
Avg. Premium
$728/yr
Camden County
FEMA Flood Risk Profile: Camden County
Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.
Inland Flood Risk
Relatively LowEst. annual loss: $4.7M
Coastal Flood Risk
Relatively ModerateEst. annual loss: $1.4M
Hurricane Risk
Relatively ModerateEst. annual loss: $10.3M
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: Camden County
Camden County has been included in 11 federal flood-related disaster declarations.
...and 3 earlier declarations since 1999.
These declarations affected communities across Camden County, including St. Marys.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: Camden County
Properties in Camden County have filed 345 NFIP flood insurance claims totaling $6.3M in payouts since 1978. The average claim payout is $18K.
Highest-Claim Years
2017
153 claims - $4.2M
2016
30 claims - $366K
2005
23 claims - $349K
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced March 2026. See national claims data.
What Your Flood Zone Means in St. Marys
St. Marys faces a combination of coastal and inland flood risks. Storm surge from hurricanes and tropical storms pushes seawater inland, while heavy rainfall simultaneously overwhelms rivers, bayous, and drainage infrastructure. This dual threat means flooding can come from multiple directions at once. The most common FEMA flood zone designations in St. Marys are Zone AE, Zone VE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $4.7M. Properties in St. Marys's VE zones face additional wave action risk beyond still-water flooding, which typically results in higher insurance premiums and stricter building requirements.
Combined coastal and inland flood exposure in St. Marys means properties may face higher premiums than areas with only one flood source. FEMA's Risk Rating 2.0 accounts for multiple flood sources, including coastal surge distance, river proximity, and rainfall-driven flooding. If your property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance.
Flood maps in areas with combined coastal and inland risk are among the most complex in the FEMA system. Major storms often trigger FEMA restudies that can significantly shift zone boundaries. Letters of Map Revision (LOMR) after hurricanes may expand SFHA coverage as new storm data is incorporated. Use our free lookup tool to check the current flood zone for any St. Marys address.
Flood Insurance Discount: St. Marys
St. Marys participates in FEMA's Community Rating System (CRS), a voluntary program that rewards communities for flood mitigation efforts beyond minimum NFIP requirements. Residents in the Special Flood Hazard Area may qualify for reduced flood insurance premiums.
CRS Class
Class 6
SFHA Premium Discount
20% off
CRS classes range from 1 (best) to 10 (no discount). St. Marys's Class 6 rating means NFIP policyholders in the SFHA can receive up to a 20% discount on their flood insurance premiums. Properties outside the SFHA may receive a 10% discount.
Source: FEMA Community Rating System, October 2025. Discounts apply to NFIP policies only.
St. Marys, GA Flood Zone FAQ
What flood zones are in St. Marys, GA?
The most common FEMA flood zones in St. Marys are Zone AE, Zone VE, Zone X. Properties in these high-risk zones (SFHA) may require flood insurance with a federally regulated or government-backed mortgage.
Is flood insurance required in St. Marys?
If your St. Marys property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not federally required to carry flood insurance, though coverage is still recommended since over 40% of all NFIP flood claims come from Zone X properties.
How do I check my flood zone in St. Marys?
Enter your St. Marys address in the search tool above for an instant flood zone determination. Results include your FEMA flood zone, SFHA status, base flood elevation (if available), and FIRM panel information, pulled directly from FEMA's National Flood Hazard Layer.
Does St. Marys offer flood insurance discounts?
Yes. St. Marys participates in FEMA's Community Rating System (CRS) with a Class 6 rating, qualifying residents in the Special Flood Hazard Area for up to a 20% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 10% discount.
Has St. Marys experienced major flooding events?
Camden County, where St. Marys is located, has been part of 11 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Hurricane Helene in 2024. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in St. Marys?
Camden County has recorded 345 NFIP flood insurance claims totaling $6.3M in payouts since 1978. The year with the most claims was 2017, with 153 claims and $4.2M in payouts. These figures cover all NFIP claims in the county, including St. Marys.
How many flood insurance policies are active in St. Marys?
Camden County currently has 3,415 active NFIP flood insurance policies with an average annual premium of $728. The most policies are in Zone X (1,889 policies). These figures cover all active NFIP policies in the county.
Can my St. Marys property be removed from a high-risk flood zone?
Yes, if your property's natural ground elevation is above the Base Flood Elevation and FEMA inadvertently mapped it in a high-risk zone, you can apply for a Letter of Map Amendment (LOMA). A successful LOMA removes the property from the Special Flood Hazard Area, generally eliminating the federal mandatory flood insurance requirement. You will need an elevation certificate from a licensed surveyor. If a property was raised above the BFE with fill material, the process is a LOMR-F rather than a LOMA.
What is Base Flood Elevation in St. Marys?
Base Flood Elevation (BFE) is the predicted height of floodwaters during a 1% annual chance (100-year) flood, shown on FEMA maps as an elevation number in feet above sea level. In St. Marys's Zone AE and Zone VE areas, BFE lines appear on the FIRM as wavy contours labeled with elevation values. Properties with a lowest floor at or above the BFE typically qualify for significantly lower NFIP flood insurance premiums.
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Disclaimer: Flood risk data on this page is sourced from FEMA datasets including the National Risk Index, NFIP claims and policy records, disaster declarations, and the Community Rating System. These datasets were last extracted on March 2026 and may not reflect the most recent changes. This page is for informational purposes only and is not a certified flood zone determination. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.