Natural hazards · Bella Villa

Bella Villa, MO natural hazards

Most of the natural-hazard damage FEMA expects in Bella Villa comes from heat waves, and overall the risk is high for a U.S. community. Flood insurance has paid 2 claims here since 1995.

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

Expected damage

How exposed is Bella Villa?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bella Villa to be higher than in 72% of U.S. communities, mostly from heat waves and inland flooding.

Heat waves35%Inland flooding31%Earthquakes19%Cold waves6%Everything else10%

By hazard

What Bella Villa faces

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

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

31% of expected damage

Well above average · higher than 76% 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 Bella Villa flood?

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

2paid claims since 1995

$3Kpaid to owners

0homes flooded more than once

19952026

Biggest named events

Hurricane Ike: 1 claim, $2K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Bella Villa 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 Bella Villa

Federal disasters declared here

None of the disasters declared for St. Louis County shows FEMA aid or repair money reaching Bella Villa itself in FEMA’s records.

Brought FEMA money into Bella VillaDeclared for St. Louis County only

St. Louis County has had 29 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. Bella Villa 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 Bella Villa’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Bella Villa. 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.