Natural hazards · Dellwood

Dellwood, MO natural hazards

Most of the natural-hazard damage FEMA expects in Dellwood comes from heat waves, and overall the risk is high for a U.S. community. Flood insurance has paid 3 claims here since 1979. 8 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Dellwood?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Dellwood to be higher than in 74% of U.S. communities, mostly from heat waves and inland flooding.

Heat waves40%Inland flooding28%Earthquakes16%Cold waves6%Everything else9%

By hazard

What Dellwood faces

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

Heat waves

40% 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

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

Recorded about 3 times a year in the area

Earthquakes

16% of expected damage

Well above average · higher than 83% 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 Dellwood flood?

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

3paid claims since 1979

$3Kpaid to owners

0homes flooded more than once

19792026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Dellwood 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 Dellwood

8 federal disasters brought FEMA money here

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

Brought FEMA money into DellwoodDeclared for St. Louis County only

2025

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

1 household applied for aid

2022

Severe Storms and Flooding

6 households applied for aid $10K aid approved

2015

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

1 household applied for aid $718 aid approved

2013

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

$62K to the City of Dellwood for repairs

2011

Severe Storms, Tornadoes, and Flooding

3 households applied for aid $46K to the City of Dellwood for repairs

2008

Severe Storms, Flooding, and a Tornado

1 household applied for aid $1K aid approved

2007

Severe Winter Storms and Flooding

$11K to the City of Dellwood for repairs

2006

Severe Storms

$6K to the City of Dellwood for repairs

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

Around Dellwood

Dellwood and the towns around it

Very lowLowModerateHighVery high

Dellwoodmostly heat wavesHigh

Fergusonmostly heat wavesHigh

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. Dellwood covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Dellwood’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Dellwood. 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 Dellwood total about $4.5M 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.