Natural hazards · Fenton

Fenton, MO natural hazards

Most of the natural-hazard damage FEMA expects in Fenton comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 606 claims here since 1979. 10 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Fenton?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fenton to be higher than in 62% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding37%Earthquakes36%Heat waves14%Hail7%Everything else7%

By hazard

What Fenton faces

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

Inland flooding

37% of expected damage

Above average · higher than 52% of U.S. places

Recorded about 3 times a year in the area

Earthquakes

36% of expected damage

Well above average · higher than 86% of U.S. places

Heat waves

14% of expected damage

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

Recorded about 15 times a year in the area

Hail

7% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesTornadoesIce stormsWinter weatherCold 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 Fenton flood?

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

606paid claims since 1979

$13.8Mpaid to owners

67homes flooded more than once

19792026

Biggest named events

Not a named storm: 72 claims, $1.3M
Midwest Flooding: 50 claims, $964K
Early winter storms: 42 claims, $4.6M

Homes that flooded again and again

Each house = 2 homes. ■ FEMA “severe repetitive loss” (37) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Fenton 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.

What’s been done with FEMA grants

132flood-prone properties bought out and cleared

Disasters that hit Fenton

10 federal disasters brought FEMA money here

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

Brought FEMA money into FentonDeclared for St. Louis County only

2025

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

4 households applied for aid $2K aid approved

2025

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

5 households applied for aid $770 aid approved

2022

Severe Storms and Flooding

90 households applied for aid $3K aid approved

2017

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

53 households applied for aid $77K aid approved $184K to the City of Fenton for repairs

2015

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

293 households applied for aid $1.8M aid approved $353K to the City of Fenton for repairs

2011

Severe Storms, Tornadoes, and Flooding

$4K to the City of Fenton for repairs

2008

Severe Storms, Flooding, and a Tornado

35 households applied for aid $110K aid approved

2008

Severe Storms and Flooding

54 households applied for aid $147K aid approved

2006

Severe Winter Storms

$15K to the City of Fenton for repairs

2006

Severe Storms

$7K to the City of Fenton for repairs

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

Around Fenton

Fenton and the towns around it

Very lowLowModerateHighVery high

Murphymostly inland floodingHigh

Fentonmostly inland floodingHigh

Sunset Hillsmostly 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. Fenton covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Fenton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Fenton. 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 Fenton total about $7.4M 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.