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Natural hazards · St. Charles

St. Charles, IA natural hazards

Most of the natural-hazard damage FEMA expects in St. Charles comes from inland flooding, and overall the risk is moderate for a U.S. community. 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?

44
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Charles to be higher than in 44% of U.S. communities, mostly from inland flooding.

Inland flooding49%Tornadoes13%Drought13%Strong wind7%Cold waves6%Everything else12%
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

49% of expected damage
Above average · higher than 58% of U.S. places
Recorded about once a year in the area

Tornadoes

13% of expected damage
Well above average · higher than 87% of U.S. places
Recorded about once every 10 years in the area

Drought

13% of expected damage
Recorded about 8 times a year in the area

Strong wind

7% of expected damage
Well above average · higher than 94% of U.S. places
Recorded about 6 times a year in the area

Cold waves

6% of expected damage
Well above average · higher than 75% of U.S. places
Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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?

FEMA's records show no paid flood insurance claims in St. Charles.

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: Madison 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 City of St. Charles.

Brought FEMA money into St. CharlesDeclared for Madison County only
2008

Severe Storms, Tornadoes, and Flooding

30 households applied for aid $87K aid approved $948K to the City of St. Charles for repairs
2007

Severe Winter Storm

$4K to the City of St. Charles for repairs
2004

Severe Storms, Tornadoes, and Flooding

2 households applied for aid
Madison County has had 18 natural disasters declared since 1953, most often floods and severe storms.
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 City 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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