TownTapestry
Sign inJoin
ChesterfieldGood evening
Natural hazards · Chesterfield

Chesterfield, MO natural hazards

Most of the natural-hazard damage FEMA expects in Chesterfield comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 48 claims here since 1993. 10 federal disasters brought FEMA money into town.

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

How exposed is Chesterfield?

41
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Chesterfield to be higher than in 41% of U.S. communities, mostly from inland flooding and heat waves.

Inland flooding35%Heat waves31%Earthquakes16%Hail7%Cold waves5%Everything else6%
By hazard

What Chesterfield faces

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

Inland flooding

35% of expected damage
Below average · higher than 41% of U.S. places
Recorded about 3 times a year in the area

Heat waves

31% of expected damage
Above average · higher than 64% of U.S. places
Recorded about 15 times a year in the area

Earthquakes

16% of expected damage
Well above average · higher than 81% of U.S. places

Hail

7% of expected damage
Well above average · higher than 93% of U.S. places
Recorded about 5 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

HurricanesTornadoesIce 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 Chesterfield flood?

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

48paid claims since 1993
$5.4Mpaid to owners
6homes flooded more than once
19932026

Biggest named events

  • Midwest Flooding: 32 claims, $5.0M
  • Early winter storms: 3 claims, $12K
  • Hurricane Ike: 2 claims, $91K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Chesterfield 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 Chesterfield

10 federal disasters brought FEMA money here

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

Brought FEMA money into ChesterfieldDeclared for St. Louis County only
2025

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

29 households applied for aid $20K aid approved
2025

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

16 households applied for aid $1K aid approved
2022

Severe Storms and Flooding

96 households applied for aid $28K aid approved
2015

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

14 households applied for aid $13K aid approved
2011

Severe Storms, Tornadoes, and Flooding

4 households applied for aid
2008

Severe Storms, Flooding, and a Tornado

8 households applied for aid $10K aid approved
2008

Severe Storms and Flooding

1 household applied for aid
2007

Severe Winter Storms and Flooding

$197K to the City of Chesterfield for repairs
2006

Severe Winter Storms

$65K to the City of Chesterfield for repairs
2006

Severe Storms

$21K to the City of Chesterfield for repairs
St. Louis County has had 29 natural disasters declared since 1953, most often severe storms and floods.
Around Chesterfield

Chesterfield and the towns around it

Town and Country: Moderate, mostly inland floodingWildwood: Moderate, mostly inland floodingBallwin: Moderate, mostly heat wavesCreve Coeur: Moderate, mostly earthquakesClarkson Valley: Moderate, mostly inland floodingMaryland Heights: Moderate, mostly heat wavesWeldon Spring: Moderate, mostly inland floodingWestwood: High, mostly inland floodingDes Peres: High, mostly inland floodingCrystal Lake Park: Moderate, mostly inland floodingFrontenac: High, mostly inland floodingEllisville: Moderate, mostly heat wavesEureka: High, mostly inland floodingManchester: High, mostly heat wavesWinchester: Moderate, mostly heat wavesBridgeton: High, mostly inland floodingChamp: Moderate, mostly inland floodingSt. Peters: High, mostly inland floodingO'Fallon: High, mostly inland floodingChesterfield: Moderate, mostly inland flooding ChesterfieldTown and CountryWildwoodBallwinCreve CoeurClarkson ValleyMaryland HeightsWeldon Spring
Very lowLowModerateHighVery high
Town and Countrymostly inland floodingModerate
Ballwinmostly heat wavesModerate
Clarkson Valleymostly inland floodingModerate
Weldon Springmostly inland floodingModerate
Maryland Heightsmostly heat wavesModerate
Wildwoodmostly inland floodingModerate
Creve Coeurmostly earthquakesModerate
Chesterfieldmostly inland floodingModerate
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. Chesterfield covers 10 census tracts, combined by population.
Money that reached townFlood claims are matched to Chesterfield’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Chesterfield. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Chesterfield total about $33.8M a year, counting buildings, people and crops.

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.

The porch light’s on

Where to, neighbor?

You’re in Chesterfield, MOView boundary

Nearby

All towns & citiesExplore the map

Local begins with a boundary.

See what belongs to your selected town.

Loading boundary…

Chesterfield is your selected town. The feed includes posts assigned to this town, not a distance radius or ZIP code.

Neighborhoods narrow the feed further, while townwide announcements, events, and issues remain visible.

Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
Open detailed map