Natural hazards · Winchester

Winchester, MO natural hazards

Most of the natural-hazard damage FEMA expects in Winchester comes from heat waves, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 1995.

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

Expected damage

How exposed is Winchester?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Winchester to be higher than in 59% of U.S. communities, mostly from heat waves and inland flooding.

Heat waves43%Inland flooding29%Earthquakes11%Cold waves7%Everything else10%

By hazard

What Winchester faces

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

Heat waves

43% of expected damage

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

Recorded about 15 times a year in the area

Inland flooding

29% of expected damage

Above average · higher than 68% of U.S. places

Recorded about 3 times a year in the area

Earthquakes

11% of expected damage

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

Cold waves

7% of expected damage

Well below average · higher than 17% 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 Winchester flood?

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

3paid claims since 1995

$113Kpaid to owners

0homes flooded more than once

19952026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Winchester 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 Winchester

Federal disasters declared here

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

Brought FEMA money into WinchesterDeclared for St. Louis County only

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

Around Winchester

Winchester and the towns around it

Very lowLowModerateHighVery high

Manchestermostly heat wavesHigh

Winchestermostly heat wavesModerate

Ballwinmostly heat wavesModerate

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. Winchester 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 Winchester’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Winchester. 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.