Natural hazards · St. Peters

St. Peters, MO natural hazards

Most of the natural-hazard damage FEMA expects in St. Peters comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 98 claims here since 1978. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is St. Peters?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Peters to be higher than in 67% of U.S. communities, mostly from inland flooding.

Inland flooding50%Tornadoes15%Earthquakes9%Cold waves8%Heat waves6%Strong wind5%Everything else6%

By hazard

What St. Peters faces

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

Inland flooding

50% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

15% of expected damage

Well above average · higher than 81% of U.S. places

Earthquakes

9% of expected damage

Well above average · higher than 78% of U.S. places

Cold waves

8% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about 2 times a year in the area

Heat waves

6% of expected damage

Above average · higher than 73% of U.S. places

Recorded about 15 times a year in the area

Strong wind

5% of expected damage

Above average · higher than 71% of U.S. places

Recorded about 6 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesLightningDrought

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. Peters flood?

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

98paid claims since 1978

$2.0Mpaid to owners

2homes flooded more than once

19782026

Biggest named events

Midwest Flooding: 22 claims, $798K
Late July Flooding: 19 claims, $573K
Not a named storm: 4 claims, $27K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. St. Peters 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.

What’s been done with FEMA grants

2flood-prone properties bought out and cleared

Disasters that hit St. Peters

7 federal disasters brought FEMA money here

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

Brought FEMA money into St. PetersDeclared for St. Charles County only

2022

Severe Storms and Flooding

723 households applied for aid $1.8M aid approved $800K to the City of St. Peters for repairs

2019

Severe Storms, Tornadoes, and Flooding

16 households applied for aid $22K aid approved $551K to the City of St. Peters for repairs

2015

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

72 households applied for aid $106K aid approved $345K to the City of St. Peters for repairs

2013

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

$271K to the City of St. Peters for repairs

2008

Severe Storms, Flooding, and a Tornado

38 households applied for aid $70K aid approved

2008

Severe Storms and Flooding

23 households applied for aid $41K aid approved $40K to the City of St. Peters for repairs

2007

Severe Winter Storms and Flooding

$122K to the City of St. Peters for repairs

St. Charles County has had 23 natural disasters declared since 1953, most often severe storms and floods.

Around St. Peters

St. Peters and the towns around it

Very lowLowModerateHighVery high

Cottlevillemostly inland floodingVery high

St. Charlesmostly inland floodingHigh

O'Fallonmostly inland floodingHigh

St. Petersmostly inland floodingHigh

Weldon Springmostly inland floodingModerate

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. Peters covers 9 census tracts, combined by population.

Money that reached townFlood claims are matched to St. Peters’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of St. Peters. 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. Peters total about $20.1M 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.