Natural hazards · Normandy

Normandy, MO natural hazards

Most of the natural-hazard damage FEMA expects in Normandy comes from earthquakes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 1982. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Normandy?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Normandy to be higher than in 44% of U.S. communities, mostly from earthquakes and heat waves.

Earthquakes36%Heat waves35%Inland flooding13%Cold waves6%Everything else10%

By hazard

What Normandy faces

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

Earthquakes

36% of expected damage

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

Heat waves

35% of expected damage

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

Recorded about 15 times a year in the area

Inland flooding

13% of expected damage

Well below average · higher than 12% of U.S. places

Recorded about 3 times a year in the area

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 Normandy flood?

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

1paid claims since 1982

$3Kpaid to owners

0homes flooded more than once

19822026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Normandy 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 Normandy

7 federal disasters brought FEMA money here

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

Brought FEMA money into NormandyDeclared for St. Louis County only

2022

Severe Storms and Flooding

17 households applied for aid $16K aid approved

2017

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

2 households applied for aid $2K aid approved

2015

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

2 households applied for aid $4K aid approved

2011

Severe Storms, Tornadoes, and Flooding

2 households applied for aid $134 aid approved

2008

Severe Storms, Flooding, and a Tornado

7 households applied for aid $9K aid approved

2006

Severe Winter Storms

$13K to the City of Normandy for repairs

2006

Severe Storms

$7K to the City of Normandy for repairs

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

Around Normandy

Normandy and the towns around it

Very lowLowModerateHighVery high

Cool Valleymostly inland floodingHigh

Fergusonmostly heat wavesHigh

Bellerive Acresmostly earthquakesModerate

Pasadena Parkmostly heat wavesModerate

Pasadena Hillsmostly heat wavesModerate

Norwood Courtmostly heat wavesModerate

Velda Citymostly heat wavesModerate

Hillsdalemostly heat wavesModerate

Normandymostly earthquakesModerate

Bel-Normostly earthquakesModerate

Greendalemostly earthquakesModerate

Pagedalemostly earthquakesModerate

Wellstonmostly earthquakesLow

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. Normandy covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Normandy’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Normandy. 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 Normandy total about $2.9M 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.