Natural hazards · Cottleville

Cottleville, MO natural hazards

Most of the natural-hazard damage FEMA expects in Cottleville comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 27 claims here since 1982. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Cottleville?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cottleville to be higher than in 86% of U.S. communities, mostly from inland flooding.

Inland flooding70%Tornadoes9%Earthquakes7%Everything else14%

By hazard

What Cottleville faces

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

Inland flooding

70% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

9% of expected damage

Well above average · higher than 82% of U.S. places

Earthquakes

7% of expected damage

Well above average · higher than 79% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong 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 Cottleville flood?

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

27paid claims since 1982

$314Kpaid to owners

1homes flooded more than once

19822026

Biggest named events

Late July Flooding: 4 claims, $78K
Early winter storms: 4 claims, $41K
Not a named storm: 1 claim, $2K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Cottleville 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. Charles County.

Disasters that hit Cottleville

1 federal disaster brought FEMA money here

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

Brought FEMA money into CottlevilleDeclared for St. Charles County only

2022

Severe Storms and Flooding

2 households applied for aid $431 aid approved

St. Charles County has had 23 natural disasters declared since 1953, most often severe storms and floods.

Around Cottleville

Cottleville and the towns around it

Very lowLowModerateHighVery high

Cottlevillemostly inland floodingVery high

O'Fallonmostly inland floodingHigh

St. Petersmostly inland floodingHigh

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. Cottleville covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Cottleville’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the City of Cottleville. 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 Cottleville total about $11.7M 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.