Natural hazards · Sappington

Sappington, MO natural hazards

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

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

Expected damage

How exposed is Sappington?

Moderate

vs. U.S. communities

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

Heat waves36%Earthquakes26%Inland flooding21%Cold waves6%Hail5%Everything else5%

By hazard

What Sappington faces

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

Heat waves

36% 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

21% of expected damage

Below average · higher than 29% 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

Hail

5% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesTornadoesIce 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 Sappington flood?

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

2paid claims since 1993

$10Kpaid to owners

0homes flooded more than once

19932026

Biggest named events

Hurricane Ike: 1 claim, $9K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Sappington 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 Sappington

1 federal disaster brought FEMA money here

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

Brought FEMA money into SappingtonDeclared for St. Louis County only

2015

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

2 households applied for aid $8K aid approved

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

Around Sappington

Sappington and the towns around it

Very lowLowModerateHighVery high

Grantwood Villagemostly inland floodingHigh

Concordmostly heat wavesHigh

Sunset Hillsmostly inland floodingModerate

Sappingtonmostly 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. Sappington covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Sappington’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Sappington. 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 Sappington total about $2.0M 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.