By Canadian Hazards Data Team · Sourced from official open data
Direct municipal dataSt. Catharines Natural Hazard Profile
St. Catharines's composite hazard grade is A, led by flood risk. Estimated home insurance runs ~$2,502/year (above the Ontario average of $2,018). Standard policies typically exclude overland flood coverage.
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Hazard risk summary
Official NRCan / ECCC classifications
Flood
Low
Wildfire
Low
Earthquake
Low
Composite hazard grade
A
Low composite hazard exposure
Peak ground acceleration
0.02g
NRCan seismic hazard reference
Home insurance estimate
$2,502/yr
Sample average for St. Catharines. Actual premiums vary by coverage, deductible, and claims history.
Ontario average
$2,018
Provincial sample mean
St. Catharines insurance premium2502 CAD/yr
Composite risk score1 (prov. avg 1.64)
Preparedness checklist
Actions tailored to St. Catharines's Flood-led hazard profile.
- 1Review your home insurance policy for hazard exclusions
- 2Store emergency supplies for 72 hours (water, food, medications)
- 3Register for local emergency alerts in your municipality
Compare home insurance in St. Catharines
Hazard exposure affects premiums and coverage availability. Compare quotes from Canadian insurers — flood and earthquake endorsements may require separate riders.
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Source · NRCan / ECCC hazard datasets. Last updated 2026. Refreshed on the site's automated schedule.
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