Natural hazards · Crestwood

Crestwood, MO natural hazards

Most of the natural-hazard damage FEMA expects in Crestwood comes from heat waves, and overall the risk is high for a U.S. community. Flood insurance has paid 33 claims here since 1979. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Crestwood?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Crestwood to be higher than in 69% of U.S. communities, mostly from heat waves and inland flooding.

Heat waves31%Inland flooding28%Earthquakes27%Cold waves5%Everything else9%

By hazard

What Crestwood faces

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

Heat waves

31% of expected damage

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

Recorded about 15 times a year in the area

Inland flooding

28% of expected damage

Above average · higher than 67% of U.S. places

Recorded about 3 times a year in the area

Earthquakes

27% of expected damage

Well above average · higher than 85% of U.S. places

Cold waves

5% of expected damage

Well below average · higher than 18% 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 Crestwood flood?

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

33paid claims since 1979

$1.1Mpaid to owners

5homes flooded more than once

19792026

Biggest named events

Hurricane Ike: 3 claims, $107K

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. Crestwood 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 Crestwood

3 federal disasters brought FEMA money here

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

Brought FEMA money into CrestwoodDeclared for St. Louis County only

2022

Severe Storms and Flooding

7 households applied for aid $6K aid approved

2006

Severe Winter Storms

$43K to the City of Crestwood for repairs

2006

Severe Storms

$13K to the City of Crestwood for repairs

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

Around Crestwood

Crestwood and the towns around it

Very lowLowModerateHighVery high

Grantwood Villagemostly inland floodingHigh

Oaklandmostly inland floodingHigh

Crestwoodmostly heat wavesHigh

Afftonmostly heat wavesHigh

Webster Grovesmostly heat wavesModerate

Sunset Hillsmostly inland floodingModerate

Kirkwoodmostly 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. Crestwood covers 5 census tracts, combined by population.

Money that reached townFlood claims are matched to Crestwood’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Crestwood. 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 Crestwood total about $18.6M 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.