Natural hazards · Overland

Overland, MO natural hazards

Most of the natural-hazard damage FEMA expects in Overland comes from heat waves, and overall the risk is moderate for a U.S. community. Flood insurance has paid 56 claims here since 1978. 10 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Overland?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Overland to be higher than in 43% of U.S. communities, mostly from heat waves and earthquakes.

Heat waves42%Earthquakes26%Inland flooding16%Cold waves7%Everything else10%

By hazard

What Overland faces

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

Heat waves

42% of expected damage

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

Recorded about 15 times a year in the area

Earthquakes

26% of expected damage

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

Inland flooding

16% of expected damage

Below average · higher than 26% of U.S. places

Recorded about 3 times a year in the area

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 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 Overland flood?

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

56paid claims since 1978

$207Kpaid to owners

7homes flooded more than once

19782026

Biggest named events

Not a named storm: 3 claims, $5K
Midwest Flooding: 1 claim, $87K

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. Overland 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 Overland

10 federal disasters brought FEMA money here

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

Brought FEMA money into OverlandDeclared for St. Louis County only

2025

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

10 households applied for aid $21K aid approved

2025

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

2 households applied for aid $300 aid approved

2022

Severe Storms and Flooding

64 households applied for aid $136K aid approved

2015

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

6 households applied for aid $5K aid approved

2011

Severe Storms, Tornadoes, and Flooding

2 households applied for aid

2008

Severe Storms, Flooding, and a Tornado

35 households applied for aid $55K aid approved

2008

Severe Storms and Flooding

1 household applied for aid $181 aid approved

2007

Severe Winter Storms and Flooding

$38K to the City of Overland for repairs

2006

Severe Winter Storms

$48K to the City of Overland for repairs

2006

Severe Storms

$29K to the City of Overland for repairs

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

Around Overland

Overland and the towns around it

Very lowLowModerateHighVery high

University Citymostly heat wavesHigh

St. Johnmostly heat wavesHigh

Sycamore Hillsmostly earthquakesModerate

Charlackmostly earthquakesModerate

Breckenridge Hillsmostly heat wavesModerate

Overlandmostly heat wavesModerate

Vinita Parkmostly earthquakesLow

Olivettemostly 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. Overland covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Overland’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Overland. 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 Overland total about $9.5M 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.