Natural hazards · Lakeshire

Lakeshire, MO natural hazards

Most of the natural-hazard damage FEMA expects in Lakeshire comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 2 claims here since 1982.

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

Expected damage

How exposed is Lakeshire?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lakeshire to be higher than in 80% of U.S. communities, mostly from inland flooding and heat waves.

Inland flooding39%Heat waves35%Earthquakes13%Cold waves6%Everything else8%

By hazard

What Lakeshire faces

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

Inland flooding

39% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 3 times a year in the area

Heat waves

35% of expected damage

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

Recorded about 15 times a year in the area

Earthquakes

13% 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 Lakeshire flood?

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

2paid claims since 1982

$5Kpaid to owners

0homes flooded more than once

19822026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Lakeshire 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 Lakeshire

Federal disasters declared here

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

Brought FEMA money into LakeshireDeclared for St. Louis County only

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

Around Lakeshire

Lakeshire and the towns around it

Very lowLowModerateHighVery high

Lakeshiremostly inland floodingVery high

Afftonmostly heat wavesHigh

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