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Natural hazards · Ballwin

Ballwin, MO natural hazards

Most of the natural-hazard damage FEMA expects in Ballwin comes from heat waves, and overall the risk is moderate for a U.S. community. Flood insurance has paid 38 claims here since 1979. 12 federal disasters brought FEMA money into town.

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

How exposed is Ballwin?

57
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ballwin to be higher than in 57% of U.S. communities, mostly from heat waves and inland flooding.

Heat waves38%Inland flooding31%Earthquakes15%Cold waves6%Hail5%Everything else6%
By hazard

What Ballwin faces

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

Heat waves

38% of expected damage
Above average · higher than 64% of U.S. places
Recorded about 15 times a year in the area

Inland flooding

31% of expected damage
Above average · higher than 63% of U.S. places
Recorded about 3 times a year in the area

Earthquakes

15% of expected damage
Well above average · higher than 82% 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

Hail

5% of expected damage
Well above average · higher than 94% of U.S. places
Recorded about 5 times a year in the area

Lower here

HurricanesTornadoesIce 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 Ballwin flood?

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

38paid claims since 1979
$805Kpaid to owners
4homes flooded more than once
19792026

Biggest named events

  • Midwest Flooding: 1 claim, $747
  • Not a named storm: 1 claim, $4K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Ballwin 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.

What’s been done with FEMA grants

6flood-prone properties bought out and cleared
Disasters that hit Ballwin

12 federal disasters brought FEMA money here

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

Brought FEMA money into BallwinDeclared for St. Louis County only
2025

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

11 households applied for aid $7K aid approved
2025

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

8 households applied for aid $21K aid approved
2022

Severe Storms and Flooding

159 households applied for aid $11K aid approved
2017

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

11 households applied for aid $100K aid approved
2015

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

36 households applied for aid $139K aid approved
2011

Severe Storms, Tornadoes, and Flooding

2 households applied for aid
2008

Severe Storms, Flooding, and a Tornado

6 households applied for aid $9K aid approved
2008

Severe Storms and Flooding

4 households applied for aid $5K aid approved
2007

Severe Winter Storms and Flooding

$158K to the City of Ballwin for repairs
2006

Severe Winter Storms

$57K to the City of Ballwin for repairs
2006

Severe Storms

$5K to the City of Ballwin for repairs
2003

Severe Storms, Tornadoes, and Flooding

1 household applied for aid
St. Louis County has had 29 natural disasters declared since 1953, most often severe storms and floods.
Around Ballwin

Ballwin and the towns around it

Ellisville: Moderate, mostly heat wavesChesterfield: Moderate, mostly inland floodingManchester: High, mostly heat wavesClarkson Valley: Moderate, mostly inland floodingTown and Country: Moderate, mostly inland floodingWinchester: Moderate, mostly heat wavesWildwood: Moderate, mostly inland floodingCreve Coeur: Moderate, mostly earthquakesMaryland Heights: Moderate, mostly heat wavesWeldon Spring: Moderate, mostly inland floodingTwin Oaks: Very high, mostly inland floodingValley Park: High, mostly inland floodingWestwood: High, mostly inland floodingDes Peres: High, mostly inland floodingCrystal Lake Park: Moderate, mostly inland floodingFrontenac: High, mostly inland floodingBallwin: Moderate, mostly heat waves BallwinEllisvilleChesterfieldManchesterClarkson ValleyTown and CountryWinchester
Very lowLowModerateHighVery high
Manchestermostly heat wavesHigh
Winchestermostly heat wavesModerate
Ballwinmostly heat wavesModerate
Clarkson Valleymostly inland floodingModerate
Town and Countrymostly inland floodingModerate
Ellisvillemostly heat wavesModerate
Chesterfieldmostly inland floodingModerate
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. Ballwin covers 6 census tracts, combined by population.
Money that reached townFlood claims are matched to Ballwin’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Ballwin. 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 Ballwin total about $26.8M 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.

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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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