Natural hazards · St. Charles

St. Charles, AR natural hazards

Most of the natural-hazard damage FEMA expects in St. Charles comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 1 claim here since 2011. 3 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is St. Charles?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Charles to be higher than in 84% of U.S. communities, mostly from inland flooding.

Inland flooding52%Earthquakes14%Tornadoes10%Strong wind6%Drought6%Everything else14%

By hazard

What St. Charles faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

52% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 2 times a year in the area

Earthquakes

14% of expected damage

Well above average · higher than 82% of U.S. places

Tornadoes

10% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about once every 5 years in the area

Strong wind

6% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 2 times a year in the area

Drought

6% of expected damage

Recorded about 9 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesLightning

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does St. Charles flood?

Every paid claim on a federal flood insurance policy in St. Charles, from FEMA’s records.

1paid claims since 2011

$7Kpaid to owners

0homes flooded more than once

20112026

Biggest named events

Mid-spring storms: 1 claim, $7K

of homes in flood zones
are insured

of all homes
are insured

No community discount. St. Charles isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Arkansas County.

Disasters that hit St. Charles

3 federal disasters brought FEMA money here

Disasters the President declared that paid out in St. Charles itself: aid to households, or repair grants to the Town of St. Charles.

Brought FEMA money into St. CharlesDeclared for Arkansas County only

2011

Severe Storms, Tornadoes, and Associated Flooding

10 households applied for aid $43K aid approved

2008

Severe Storms, Tornadoes, and Flooding

15 households applied for aid $64K aid approved

2000

Severe Winter Ice Storm

$3K to the Town of St. Charles for repairs

Arkansas County has had 16 natural disasters declared since 1953, most often severe storms and floods.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. St. Charles is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to St. Charles’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of St. Charles. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.