Natural hazards · Charlack

Charlack, MO natural hazards

Most of the natural-hazard damage FEMA expects in Charlack comes from earthquakes, and overall the risk is moderate for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Charlack?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Charlack to be higher than in 53% of U.S. communities, mostly from earthquakes and heat waves.

Earthquakes34%Heat waves33%Inland flooding19%Cold waves5%Everything else9%

By hazard

What Charlack faces

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

Earthquakes

34% of expected damage

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

Heat waves

33% of expected damage

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

Recorded about 15 times a year in the area

Inland flooding

19% of expected damage

Below average · higher than 30% of U.S. places

Recorded about 3 times a year in the area

Cold waves

5% 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 Charlack flood?

FEMA's records show no paid flood insurance claims in Charlack.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Charlack 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

1storm safe rooms built

Disasters that hit Charlack

4 federal disasters brought FEMA money here

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

Brought FEMA money into CharlackDeclared for St. Louis County only

2025

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

1 household applied for aid

2022

Severe Storms and Flooding

3 households applied for aid $2K aid approved

2006

Severe Winter Storms

$5K to the City of Charlack for repairs

2006

Severe Storms

$6K to the City of Charlack for repairs

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

Around Charlack

Charlack and the towns around it

Very lowLowModerateHighVery high

St. Johnmostly heat wavesHigh

Charlackmostly earthquakesModerate

Sycamore Hillsmostly earthquakesModerate

Overlandmostly heat wavesModerate

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