Natural hazards · Concord

Concord, MO natural hazards

Most of the natural-hazard damage FEMA expects in Concord comes from heat waves, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 1982.

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

Expected damage

How exposed is Concord?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Concord to be higher than in 61% of U.S. communities, mostly from heat waves and inland flooding.

Heat waves36%Inland flooding26%Earthquakes23%Cold waves6%Everything else10%

By hazard

What Concord faces

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

Heat waves

36% of expected damage

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

Recorded about 15 times a year in the area

Inland flooding

26% of expected damage

Above average · higher than 60% of U.S. places

Recorded about 3 times a year in the area

Earthquakes

23% 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 Concord flood?

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

1paid claims since 1982

$8Kpaid to owners

0homes flooded more than once

19822026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Concord 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 Concord

Federal disasters declared here

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

Brought FEMA money into ConcordDeclared for St. Louis County only

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

Around Concord

Concord and the towns around it

Very lowLowModerateHighVery high

Lakeshiremostly inland floodingVery high

Afftonmostly heat wavesHigh

Mehlvillemostly heat wavesHigh

Concordmostly heat wavesHigh

Green Parkmostly heat wavesModerate

Sappingtonmostly 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. Concord covers 5 census tracts, combined by population.

Money that reached townFlood claims are matched to Concord’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Concord. 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 Concord total about $12.9M 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.