Natural hazards · Affton

Affton, MO natural hazards

Most of the natural-hazard damage FEMA expects in Affton comes from heat waves, and overall the risk is high for a U.S. community. Flood insurance has paid 32 claims here since 1979. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Affton?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Affton to be higher than in 66% of U.S. communities, mostly from heat waves and inland flooding.

Heat waves39%Inland flooding26%Earthquakes19%Cold waves6%Everything else9%

By hazard

What Affton faces

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

Heat waves

39% of expected damage

Above average · higher than 64% of U.S. places

Recorded about 15 times a year in the area

Inland flooding

26% of expected damage

Above average · higher than 68% of U.S. places

Recorded about 3 times a year in the area

Earthquakes

19% of expected damage

Well above average · higher than 84% of U.S. places

Cold waves

6% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherWildfireLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Affton flood?

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

32paid claims since 1979

$381Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

Hurricane Ike: 5 claims, $221K
Not a named storm: 2 claims, $27K
Midwest Flooding: 1 claim, $6K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: St. Louis County.

Disasters that hit Affton

4 federal disasters brought FEMA money here

Disasters the President declared that paid out in Affton itself: aid to households, or repair grants to Affton.

Brought FEMA money into AfftonDeclared for St. Louis County only

2025

Severe Storms, Straight-Line Winds, Tornadoes, and Wildfires

1 household applied for aid

2022

Severe Storms and Flooding

4 households applied for aid $57K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds, and Flooding

3 households applied for aid $2K aid approved

2008

Severe Storms, Flooding, and a Tornado

4 households applied for aid $2K aid approved

St. Louis County has had 29 natural disasters declared since 1953, most often severe storms and floods.

Around Affton

Affton and the towns around it

Very lowLowModerateHighVery high

Lakeshiremostly inland floodingVery high

Grantwood Villagemostly inland floodingHigh

Lemaymostly heat wavesHigh

Crestwoodmostly heat wavesHigh

Afftonmostly heat wavesHigh

Marlboroughmostly heat wavesHigh

Mehlvillemostly heat wavesHigh

St. Georgemostly heat wavesHigh

Concordmostly heat wavesHigh

Green Parkmostly heat wavesModerate

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. Affton covers 5 census tracts, combined by population.

Money that reached townFlood claims are matched to Affton’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Affton. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Affton total about $13.7M a year, counting buildings, people and crops.

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.