Natural hazards · Wentzville

Wentzville, MO natural hazards

Most of the natural-hazard damage FEMA expects in Wentzville comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 4 claims here since 2008. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Wentzville?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Wentzville to be higher than in 58% of U.S. communities, mostly from inland flooding.

Inland flooding46%Tornadoes14%Earthquakes13%Cold waves9%Heat waves7%Strong wind5%Everything else7%

By hazard

What Wentzville faces

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

Inland flooding

46% of expected damage

Above average · higher than 69% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

14% of expected damage

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

Earthquakes

13% of expected damage

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

Cold waves

9% of expected damage

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

Recorded about 2 times a year in the area

Heat waves

7% 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 Wentzville flood?

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

4paid claims since 2008

$68Kpaid to owners

0homes flooded more than once

20082026

Biggest named events

Late spring severe storms: 1 claim, $17K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Wentzville 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

1flood-prone properties bought out and cleared

Disasters that hit Wentzville

6 federal disasters brought FEMA money here

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

Brought FEMA money into WentzvilleDeclared for St. Charles County only

2022

Severe Storms and Flooding

136 households applied for aid $155K aid approved $164K to the City of Wentzville for repairs

2019

Severe Storms, Tornadoes, and Flooding

1 household applied for aid

2015

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

6 households applied for aid $5K aid approved

2008

Severe Storms, Flooding, and a Tornado

2 households applied for aid $14K aid approved

2008

Severe Storms and Flooding

8 households applied for aid $37K aid approved

2007

Severe Winter Storms and Flooding

$59K to the City of Wentzville for repairs

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

Around Wentzville

Wentzville and the towns around it

Very lowLowModerateHighVery high

O'Fallonmostly inland floodingHigh

Flint Hillmostly inland floodingHigh

Wentzvillemostly inland floodingModerate

Lake St. Louismostly inland floodingModerate

Foristellmostly 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. Wentzville covers 5 census tracts, combined by population.

Money that reached townFlood claims are matched to Wentzville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Wentzville. 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 Wentzville total about $11.3M 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.