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Natural hazards · St. Louis

St. Louis, OK natural hazards

Most of the natural-hazard damage FEMA expects in St. Louis comes from tornadoes, and overall the risk is high for a U.S. community. 3 federal disasters brought FEMA money into town.

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

How exposed is St. Louis?

76
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Louis to be higher than in 76% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes31%Inland flooding24%Wildfire12%Cold waves10%Heat waves7%Hail6%Everything else9%
By hazard

What St. Louis faces

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

Tornadoes

31% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about once every 8 years in the area

Inland flooding

24% of expected damage
Above average · higher than 52% of U.S. places
Recorded about once a year in the area

Wildfire

12% of expected damage
Well above average · higher than 97% of U.S. places

Cold waves

10% of expected damage
Well above average · higher than 98% of U.S. places
Recorded about once a year in the area

Heat waves

7% of expected damage
Well above average · higher than 75% of U.S. places
Recorded about 19 times a year in the area

Hail

6% of expected damage
Well above average · higher than 97% of U.S. places
Recorded about 11 times a year in the area

Lower here

HurricanesIce stormsWinter weatherEarthquakesLandslidesStrong 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. Louis flood?

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. St. Louis isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Pottawatomie County.
Disasters that hit St. Louis

3 federal disasters brought FEMA money here

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

Brought FEMA money into St. LouisDeclared for Pottawatomie County only
2015

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

1 household applied for aid
2007

Severe Storms, Tornadoes and Flooding

1 household applied for aid
2007

Severe Storms, Flooding, and Tornadoes

1 household applied for aid
Pottawatomie County has had 34 natural disasters declared since 1953, most often severe storms and ice storms.
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. Louis covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to St. Louis’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of St. Louis. 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. Louis total about $956K 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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