Natural hazards · Maplewood

Maplewood, MO natural hazards

Most of the natural-hazard damage FEMA expects in Maplewood comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 86 claims here since 1978. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Maplewood?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Maplewood to be higher than in 74% of U.S. communities, mostly from inland flooding and heat waves.

Inland flooding37%Heat waves30%Earthquakes19%Everything else14%

By hazard

What Maplewood 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

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

Recorded about 3 times a year in the area

Heat waves

30% of expected damage

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

Recorded about 15 times a year in the area

Earthquakes

19% of expected damage

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

Lower here

HurricanesTornadoesHailIce 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 Maplewood flood?

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

86paid claims since 1978

$639Kpaid to owners

9homes flooded more than once

19782026

Biggest named events

Late July Flooding: 3 claims, $50K
Midwest Flooding: 3 claims, $19K
Not a named storm: 2 claims, $22K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Maplewood 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

1storm safe rooms built

Disasters that hit Maplewood

5 federal disasters brought FEMA money here

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

Brought FEMA money into MaplewoodDeclared for St. Louis County only

2025

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

1 household applied for aid $1K aid approved

2022

Severe Storms and Flooding

30 households applied for aid $43K aid approved

2008

Severe Storms, Flooding, and a Tornado

2 households applied for aid $1K aid approved

2006

Severe Winter Storms

$14K to the City of Maplewood for repairs

2006

Severe Storms

$23K to the City of Maplewood for repairs

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

Around Maplewood

Maplewood and the towns around it

Very lowLowModerateHighVery high

St. Louismostly heat wavesHigh

Brentwoodmostly inland floodingHigh

Maplewoodmostly inland floodingHigh

Shrewsburymostly inland floodingHigh

Richmond Heightsmostly inland floodingHigh

Webster Grovesmostly 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. Maplewood covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Maplewood’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Maplewood. 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 Maplewood total about $6.8M 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.