St. Ann’s biggest natural hazard is heat waves
Most of the natural-hazard damage FEMA expects in St. Ann comes from heat waves, and overall the risk is moderate for a U.S. community. Flood insurance has paid 60 claims here since 1978. 11 federal disasters brought FEMA money into town.
What stands out about St. Ann’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
11 federal disasters brought FEMA money to St. Ann
Disasters that paid out in St. Ann itself (aid to households or repair grants to the City of St. Ann) and its biggest flood years.
- 2025Severe Storms, Straight-Line Winds, Tornadoes, and Flooding43 households applied for aid$112K aid approved
- 2025Severe Storms, Straight-Line Winds, Tornadoes, and Wildfires17 households applied for aid$22K aid approved
- 2022Severe Storms and Flooding429 households applied for aid$1.0M aid approved$604K to the City of St. Ann for repairs12 flood claims paid that year
- 2017Severe Storms, Tornadoes, Straight-Line Winds and Flooding2 households applied for aid$2K aid approved
- 2015Severe Storms, Tornadoes, Straight-Line Winds, and Flooding20 households applied for aid$16K aid approved
- 2011Severe Storms, Tornadoes, and Flooding24 households applied for aid$8K aid approved$30K to the City of St. Ann for repairs
Show all 12
- 2008Severe Storms, Flooding, and a Tornado32 households applied for aid$53K aid approved10 flood claims paid that year
- 2007Severe Winter Storms and Flooding$104K to the City of St. Ann for repairs
- 2006Severe Winter Storms$53K to the City of St. Ann for repairs
- 2006Severe Storms$22K to the City of St. Ann for repairs
- 2003Severe Storms, Tornadoes, and Flooding1 household applied for aid$2K aid approved
- 198212 flood claims paidThe most in any one year on record
St. Louis County has had 29 natural disasters declared since 1953, most often severe storms and floods.
Old photos of St. Ann after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the St. Ann archive →How exposed is St. Ann?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 58% of U.S. communities, mostly from heat waves and inland flooding.
Calmer than 776 of the 1,353 Missouri towns we cover.
St. Ann covers 3 census tracts, combined by population.
What St. Ann faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Heat waves
Inland flooding
Earthquakes
Cold waves
Does St. Ann flood? Sometimes: 60 flood claims since 1978
Every paid claim on a federal flood insurance policy in St. Ann, from FEMA’s records.
- The Late July Flooding10 claims · $421K
- Hurricane Ike8 claims · $56K
- The Midwest Flooding2 claims · $9K
St. Ann 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.Get ready for what St. Ann actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- Know the nearest cooling center or air-conditioned library.
- Drink water before you feel thirsty.
- Check on neighbors who live alone.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
St. Ann and its neighbors
St. Ann ranks 2nd calmest of 3 towns around it. Tap a town to see its hazards.
| Town | Rating | Mostly | Flood claims |
|---|---|---|---|
| Bridgeton | High | inland flooding | 24 |
| St. Ann | Moderate | heat waves | 60 |
| Breckenridge Hills | Moderate | heat waves | 153 |
Rating = expected yearly storm and flood damage as a share of what’s there, vs. U.S. communities. Flood claims = paid federal flood insurance claims on record.
Most disasters here begin in April–June
The month each of St. Louis County’s 29 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to St. Ann’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of St. Ann.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels. Across St. Ann, expected losses total about $6.9M a year, counting buildings, people and crops.
Storm stories
Memories, warnings and help from neighbors in St. Ann.
Your answer becomes a post in Town Square.
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. Preparedness tips: Ready.gov. An average of past damage, not a forecast.