Natural hazards · St. Elizabeth

St. Elizabeth, MO natural hazards

Most of the natural-hazard damage FEMA expects in St. Elizabeth comes from inland flooding, and overall the risk is high for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is St. Elizabeth?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Elizabeth to be higher than in 72% of U.S. communities, mostly from inland flooding.

Inland flooding62%Tornadoes10%Cold waves9%Heat waves8%Everything else11%

By hazard

What St. Elizabeth faces

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

Inland flooding

62% of expected damage

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

Recorded about 3 times a year in the area

Tornadoes

10% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about once every 14 years in the area

Cold waves

9% of expected damage

Below average · higher than 41% of U.S. places

Recorded about 2 times a year in the area

Heat waves

8% of expected damage

Above average · higher than 65% of U.S. places

Recorded about 12 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 St. Elizabeth flood?

FEMA's records show no paid flood insurance claims in St. Elizabeth.

of homes in flood zones
are insured

of all homes
are insured

No community discount. St. Elizabeth isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Miller County.

What’s been done with FEMA grants

2storm safe rooms built

Disasters that hit St. Elizabeth

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in St. Elizabeth itself: aid to households, or repair grants to the Village of St. Elizabeth.

Brought FEMA money into St. ElizabethDeclared for Miller County only

2006

Severe Winter Storms

$2K to the Village of St. Elizabeth for repairs

Miller County has had 24 natural disasters declared since 1953, most often severe storms and floods.

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. St. Elizabeth is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to St. Elizabeth’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of St. Elizabeth. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.