Final answer:
St. Charles County submits the nation's 3rd highest number of repeat flood insurance claims primarily due to the frequency of flood events in the area, not property values or insurance education.
Step-by-step explanation:
The high number of repeat flood insurance claims in St. Charles County can be attributed to Because of frequent floods. This area is prone to repetitive flooding events, leading to regular and costly damage to properties. It is not necessarily due to high property values, lack of insurance education, or low property values. Instead, properties in floodplains or near water bodies in this region are at risk of flooding multiple times, which necessitates the filing of repeated insurance claims to cover the damages caused by such natural disasters.