Natural hazards · Lake St. Clair

Lake St. Clair, MO natural hazards

Most of the natural-hazard damage FEMA expects in Lake St. Clair comes from inland flooding, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Lake St. Clair?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lake St. Clair to be higher than in 73% of U.S. communities, mostly from inland flooding.

Inland flooding54%Tornadoes11%Heat waves11%Earthquakes8%Cold waves6%Strong wind5%Everything else5%

By hazard

What Lake St. Clair faces

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

Inland flooding

54% of expected damage

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

Recorded about 2 times a year in the area

Tornadoes

11% of expected damage

Above average · higher than 74% of U.S. places

Recorded about once every 72 years in the area

Heat waves

11% of expected damage

Above average · higher than 60% of U.S. places

Recorded about 12 times a year in the area

Earthquakes

8% of expected damage

Well above average · higher than 79% of U.S. places

Cold waves

6% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about 2 times a year in the area

Strong wind

5% of expected damage

Well below average · higher than 15% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesLightningDrought

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 Lake St. Clair flood?

FEMA's records show no paid flood insurance claims in Lake St. Clair.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Lake St. Clair isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Franklin County.

Disasters that hit Lake St. Clair

Federal disasters declared here

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

Brought FEMA money into Lake St. ClairDeclared for Franklin County only

Franklin County has had 21 natural disasters declared since 1953, most often severe storms and floods.

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. Lake St. Clair 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 Lake St. Clair’s own flood-insurance community; household aid to the registrant’s city; repair grants to Lake St. Clair. 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.