Natural hazards · Manchester

Manchester, MO natural hazards

Most of the natural-hazard damage FEMA expects in Manchester comes from heat waves, and overall the risk is high for a U.S. community. Flood insurance has paid 60 claims here since 1979. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Manchester?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Manchester to be higher than in 63% of U.S. communities, mostly from heat waves and inland flooding.

Heat waves40%Inland flooding34%Earthquakes10%Cold waves7%Everything else10%

By hazard

What Manchester 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

34% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about 3 times a year in the area

Earthquakes

10% of expected damage

Well above average · higher than 80% of U.S. places

Cold waves

7% 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 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 Manchester flood?

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

60paid claims since 1979

$1.9Mpaid to owners

8homes flooded more than once

19792026

Biggest named events

Hurricane Ike: 4 claims, $352K
Midwest Flooding: 2 claims, $10K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (4) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Manchester 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 Manchester

7 federal disasters brought FEMA money here

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

Brought FEMA money into ManchesterDeclared for St. Louis County only

2025

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

1 household applied for aid

2022

Severe Storms and Flooding

3 households applied for aid $300 aid approved

2015

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

3 households applied for aid $730 aid approved

2008

Severe Storms, Flooding, and a Tornado

3 households applied for aid $3K aid approved

2008

Severe Storms and Flooding

1 household applied for aid

2007

Severe Winter Storms and Flooding

$23K to the City of Manchester for repairs

2006

Severe Storms

$7K to the City of Manchester for repairs

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

Around Manchester

Manchester and the towns around it

Very lowLowModerateHighVery high

Twin Oaksmostly inland floodingVery high

Valley Parkmostly inland floodingHigh

Manchestermostly heat wavesHigh

Winchestermostly heat wavesModerate

Ballwinmostly 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. Manchester covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Manchester’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Manchester. 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 Manchester total about $9.7M 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.