Natural hazards · St. George

St. George, MO natural hazards

Most of the natural-hazard damage FEMA expects in St. George comes from heat waves, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is St. George?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. George to be higher than in 63% of U.S. communities, mostly from heat waves and inland flooding.

Heat waves44%Inland flooding21%Earthquakes18%Cold waves7%Everything else10%

By hazard

What St. George faces

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

Heat waves

44% of expected damage

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

Recorded about 15 times a year in the area

Inland flooding

21% of expected damage

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

Recorded about 3 times a year in the area

Earthquakes

18% of expected damage

Well above average · higher than 83% of U.S. places

Cold waves

7% of expected damage

Well below average · higher than 18% 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 St. George flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. St. George 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 St. George

Federal disasters declared here

None of the disasters declared for St. Louis County shows FEMA aid or repair money reaching St. George itself in FEMA’s records.

Brought FEMA money into St. GeorgeDeclared for St. Louis County only

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

Around St. George

St. George and the towns around it

Very lowLowModerateHighVery high

Lemaymostly heat wavesHigh

Afftonmostly heat wavesHigh

St. Georgemostly heat wavesHigh

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. George 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. George’s own flood-insurance community; household aid to the registrant’s city; repair grants to St. George. 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.