Natural hazards · Kinloch

Kinloch, MO natural hazards

Most of the natural-hazard damage FEMA expects in Kinloch comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 1979.

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

Expected damage

How exposed is Kinloch?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Kinloch to be higher than in 45% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding32%Earthquakes27%Heat waves24%Hail8%Everything else10%

By hazard

What Kinloch faces

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

Inland flooding

32% of expected damage

Below average · higher than 29% of U.S. places

Recorded about 3 times a year in the area

Earthquakes

27% of expected damage

Well above average · higher than 84% of U.S. places

Heat waves

24% of expected damage

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

Recorded about 15 times a year in the area

Hail

8% 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 Kinloch flood?

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

3paid claims since 1979

$2Kpaid to owners

0homes flooded more than once

19792026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Kinloch 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 Kinloch

Federal disasters declared here

None of the disasters declared for St. Louis County shows FEMA aid or repair money reaching Kinloch itself in FEMA’s records.

Brought FEMA money into KinlochDeclared for St. Louis County only

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

Around Kinloch

Kinloch and the towns around it

Very lowLowModerateHighVery high

Fergusonmostly heat wavesHigh

Kinlochmostly inland floodingModerate

Berkeleymostly 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. Kinloch 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 Kinloch’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Kinloch. 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.