Natural hazards · Black Jack

Black Jack, MO natural hazards

Most of the natural-hazard damage FEMA expects in Black Jack comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 1979. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Black Jack?

High

vs. U.S. communities

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

Inland flooding44%Heat waves34%Earthquakes8%Cold waves6%Everything else9%

By hazard

What Black Jack faces

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

Inland flooding

44% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 3 times a year in the area

Heat waves

34% of expected damage

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

Recorded about 15 times a year in the area

Earthquakes

8% of expected damage

Well above average · higher than 79% 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 windLightningDrought

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 Black Jack flood?

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

1paid claims since 1979

$856paid to owners

0homes flooded more than once

19792026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Black Jack 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 Black Jack

5 federal disasters brought FEMA money here

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

Brought FEMA money into Black JackDeclared for St. Louis County only

2025

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

4 households applied for aid $2K aid approved

2025

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

5 households applied for aid $300 aid approved

2022

Severe Storms and Flooding

46 households applied for aid $121K aid approved

2017

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

1 household applied for aid $614 aid approved

2015

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

4 households applied for aid $885 aid approved

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

Around Black Jack

Black Jack and the towns around it

Very lowLowModerateHighVery high

Black Jackmostly inland floodingHigh

Old Jamestownmostly inland floodingHigh

Florissantmostly heat wavesHigh

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. Black Jack 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 Black Jack’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Black Jack. 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.