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Natural hazards · St. Paul

St. Paul, MO natural hazards

Most of the natural-hazard damage FEMA expects in St. Paul comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 1 claim here since 2015. 2 federal disasters brought FEMA money into town.

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

How exposed is St. Paul?

92
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Paul to be higher than in 92% of U.S. communities, mostly from inland flooding.

Inland flooding73%Tornadoes8%Cold waves5%Everything else14%
By hazard

What St. Paul faces

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

Inland flooding

73% of expected damage
Well above average · higher than 98% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

8% of expected damage
Well above average · higher than 77% of U.S. places

Cold waves

5% of expected damage
Well below average · higher than 17% of U.S. places
Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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. Paul flood?

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

1paid claims since 2015
$7Kpaid to owners
0homes flooded more than once
20152026

Biggest named events

  • Early winter storms: 1 claim, $7K
of homes in flood zones
are insured
of all homes
are insured
No community discount. St. Paul 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. Charles County.
Disasters that hit St. Paul

2 federal disasters brought FEMA money here

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

Brought FEMA money into St. PaulDeclared for St. Charles County only
2022

Severe Storms and Flooding

1 household applied for aid
2008

Severe Storms and Flooding

1 household applied for aid
St. Charles County has had 23 natural disasters declared since 1953, most often severe storms and floods.
Around St. Paul

St. Paul and the towns around it

O'Fallon: High, mostly inland floodingDardenne Prairie: Very high, mostly inland floodingLake St. Louis: Moderate, mostly inland floodingSt. Peters: High, mostly inland floodingCottleville: Very high, mostly inland floodingWeldon Spring: Moderate, mostly inland floodingJosephville: Moderate, mostly inland floodingWentzville: Moderate, mostly inland floodingSt. Paul: Very high, mostly inland flooding St. PaulO'Fallon
Very lowLowModerateHighVery high
St. Paulmostly inland floodingVery high
O'Fallonmostly inland floodingHigh
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. Paul covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to St. Paul’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of St. Paul. 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 St. Paul total about $4.7M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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