UNITED STATES
                      SECURITIES AND EXCHANGE COMMISSION
                            Washington, D.C. 20549


                                   FORM 8-K


                                CURRENT REPORT
    Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

     Date of Report (Date of earliest event reported): September 24, 2004

                    The St. Paul Travelers Companies, Inc.
            (Exact name of registrant as specified in its charter)


         Minnesota                   001-10898                41-0518860
      (State or other          (Commission File Number)      (IRS Employer
 jurisdiction of incorporation)                          Identification Number)

                 385 Washington Street                          55102
                 Saint Paul, Minnesota
        (Address of principal executive offices)             (Zip Code)

                                (651) 310-7911
             (Registrant's telephone number, including area code)

                                Not Applicable
         (Former name or former address, if changed since last report)

     Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of
the following provisions (see General Instruction A.2. below):

     |_| Written communications pursuant to Rule 425 under the Securities Act
(17 CFR 230.425)

     |_| Soliciting material pursuant to Rule 14a-12 under the Exchange Act
(17 CFR 240.14a-12)

     |_| Pre-commencement communications pursuant to Rule 14d-2(b) under the
Exchange Act (17 CFR 240.14d-2(b))

     |_| Pre-commencement communications pursuant to Rule 13e-4(c) under the
Exchange Act (17 CFR 240.13e-4(c))







Item 8.01.  Other Events.

On September 24, 2004, The St. Paul Travelers Companies, Inc. issued a press
release reporting on the impact of Hurricane Frances. The press release is
furnished as Exhibit 99 to this Report and is incorporated by reference
herein.


Item 9.01.  Financial Statements and Exhibits.

         (c) Exhibits.


Exhibit No.  Description

99           Press release issued by The St. Paul Travelers Companies, Inc.
             on September 24, 2004.






                                  SIGNATURES

         Pursuant to the requirements of the Securities Exchange Act of 1934,
the registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.

Date:    September 27, 2004      THE ST. PAUL TRAVELERS COMPANIES, INC.

                                 By:  /s/ Bruce A. Backberg
                                      -------------------------------
                                       Name:  Bruce A. Backberg
                                       Title: Senior Vice President







                                 EXHIBIT INDEX

Exhibit No.  Description

99           Press release issued by The St. Paul Travelers Companies, Inc.
             on September 24, 2004.