Natural hazards · Bel-Nor

Bel-Nor, MO natural hazards

Most of the natural-hazard damage FEMA expects in Bel-Nor comes from earthquakes, 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 Bel-Nor?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bel-Nor to be higher than in 44% of U.S. communities, mostly from earthquakes and heat waves.

Earthquakes36%Heat waves35%Inland flooding13%Cold waves6%Everything else10%

By hazard

What Bel-Nor faces

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

Earthquakes

36% of expected damage

Well above average · higher than 86% of U.S. places

Heat waves

35% of expected damage

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

Recorded about 15 times a year in the area

Inland flooding

13% of expected damage

Well below average · higher than 12% of U.S. places

Recorded about 3 times a year in the area

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 Bel-Nor flood?

FEMA's records show no paid flood insurance claims in Bel-Nor.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Bel-Nor 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 Bel-Nor

3 federal disasters brought FEMA money here

Disasters the President declared that paid out in Bel-Nor itself: aid to households, or repair grants to the Village of Bel-Nor.

Brought FEMA money into Bel-NorDeclared for St. Louis County only

2022

Severe Storms and Flooding

2 households applied for aid $300 aid approved

2006

Severe Winter Storms

$11K to the Village of Bel-Nor for repairs

2006

Severe Storms

$11K to the Village of Bel-Nor for repairs

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

Around Bel-Nor

Bel-Nor and the towns around it

Very lowLowModerateHighVery high

Bel-Ridgemostly heat wavesModerate

Bellerive Acresmostly earthquakesModerate

Bel-Normostly earthquakesModerate

Normandymostly earthquakesModerate

Greendalemostly earthquakesModerate

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. Bel-Nor 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 Bel-Nor’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Bel-Nor. 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.