Natural hazards · Pine Lawn

Pine Lawn, MO natural hazards

Most of the natural-hazard damage FEMA expects in Pine Lawn comes from heat waves, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 1993. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Pine Lawn?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pine Lawn to be higher than in 45% of U.S. communities, mostly from heat waves and earthquakes.

Heat waves39%Earthquakes27%Inland flooding16%Cold waves6%Tornadoes5%Everything else6%

By hazard

What Pine Lawn faces

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

Heat waves

39% of expected damage

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

Recorded about 15 times a year in the area

Earthquakes

27% of expected damage

Well above average · higher than 85% of U.S. places

Inland flooding

16% of expected damage

Well below average · higher than 22% 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

Tornadoes

5% of expected damage

Above average · higher than 62% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherLandslidesStrong windLightning

Not a risk here

Coastal floodingWildfireDroughtAvalanchesTsunamisVolcanic 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 Pine Lawn flood?

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

1paid claims since 1993

$378paid to owners

0homes flooded more than once

19932026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Pine Lawn 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 Pine Lawn

2 federal disasters brought FEMA money here

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

Brought FEMA money into Pine LawnDeclared for St. Louis County only

2022

Severe Storms and Flooding

2 households applied for aid $3K to the City of Pine Lawn for repairs

2006

Severe Storms

$7K to the City of Pine Lawn for repairs

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

Around Pine Lawn

Pine Lawn and the towns around it

Very lowLowModerateHighVery high

Jenningsmostly heat wavesHigh

Northwoodsmostly heat wavesHigh

Hillsdalemostly heat wavesModerate

Velda Village Hillsmostly heat wavesModerate

Uplands Parkmostly heat wavesModerate

Pine Lawnmostly 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. Pine Lawn covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Pine Lawn’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Pine Lawn. 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 Pine Lawn total about $1.3M 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.