Natural hazards · Crystal Lake Park

Crystal Lake Park, MO natural hazards

Most of the natural-hazard damage FEMA expects in Crystal Lake Park comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 1993. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Crystal Lake Park?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Crystal Lake Park to be higher than in 58% of U.S. communities, mostly from inland flooding and heat waves.

Inland flooding38%Heat waves26%Earthquakes21%Hail6%Everything else9%

By hazard

What Crystal Lake Park faces

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

Inland flooding

38% of expected damage

Above average · higher than 59% of U.S. places

Recorded about 3 times a year in the area

Heat waves

26% of expected damage

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

Recorded about 15 times a year in the area

Earthquakes

21% of expected damage

Well above average · higher than 83% of U.S. places

Hail

6% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesTornadoesIce stormsWinter weatherCold wavesWildfireLandslidesStrong 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 Crystal Lake Park flood?

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

1paid claims since 1993

$17Kpaid to owners

0homes flooded more than once

19932026

Biggest named events

Midwest Flooding: 1 claim, $17K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Crystal Lake Park 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 Crystal Lake Park

1 federal disaster brought FEMA money here

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

Brought FEMA money into Crystal Lake ParkDeclared for St. Louis County only

2022

Severe Storms and Flooding

1 household applied for aid $540 aid approved

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

Around Crystal Lake Park

Crystal Lake Park and the towns around it

Very lowLowModerateHighVery high

Frontenacmostly inland floodingHigh

Crystal Lake Parkmostly inland floodingModerate

Town and Countrymostly 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. Crystal Lake Park 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 Crystal Lake Park’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Crystal Lake Park. 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.