Castle Point’s biggest natural hazard is inland flooding
Most of the natural-hazard damage FEMA expects in Castle Point comes from inland flooding, and overall the risk is very high for a U.S. community. 1 federal disaster brought FEMA money into town.
What stands out about Castle Point’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
Does Castle Point flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Castle Point. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Castle Point 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.How exposed is Castle Point?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 88% of U.S. communities, mostly from inland flooding and heat waves.
Rated higher than 1,296 of the 1,353 Missouri towns we cover.
Castle Point is smaller than a census tract, so it shares the figures of the tract around its center.
What Castle Point faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Inland flooding
Heat waves
Earthquakes
1 federal disaster brought FEMA money to Castle Point
Disasters that paid out in Castle Point itself (aid to households or repair grants to Castle Point) and its biggest flood years.
- 2015Severe Storms, Tornadoes, Straight-Line Winds, and Flooding1 household applied for aid
St. Louis County has had 29 natural disasters declared since 1953, most often severe storms and floods.
Old photos of Castle Point after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Castle Point archive →Get ready for what Castle Point actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Know the nearest cooling center or air-conditioned library.
- Drink water before you feel thirsty.
- Check on neighbors who live alone.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Castle Point and its neighbors
Castle Point ranks 2nd calmest of 3 towns around it. Tap a town to see its hazards.
| Town | Rating | Mostly | Flood claims |
|---|---|---|---|
| Castle Point | Very high | inland flooding | 0 |
| Moline Acres | Very high | inland flooding | 26 |
| Bellefontaine Neighbors | High | heat waves | 68 |
Rating = expected yearly storm and flood damage as a share of what’s there, vs. U.S. communities. Flood claims = paid federal flood insurance claims on record.
Most disasters here begin in April–June
The month each of St. Louis County’s 29 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Castle Point’s own flood-insurance community; household aid to the registrant’s city; repair grants to Castle Point.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels.
Storm stories
Memories, warnings and help from neighbors in Castle Point.
Your answer becomes a post in Town Square.
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. Preparedness tips: Ready.gov. An average of past damage, not a forecast.