FEMA Records
28
High volume
Missouri · FEMA + NOAA + National Risk Index
St. Charles County, MO
28 FEMA disaster declarations (1965-2022), with a FEMA National Risk Index rating of Relatively Moderate. Most common hazard: Severe Storm.
- 28
- FEMA declarations
- 19
- Major disasters
- 93
- NRI risk · Relatively Moderate
- Severe Storm
- Top hazard
The verdict
Two federal records point in the busier direction for St. Charles County. Its 28 FEMA declarations are 14% above the Missouri county mean and exceed the count for 81% of the 3,266 counties in this registry. Separately, FEMA's National Risk Index places it in the riskiest 7%, based on modeled expected annual loss, social vulnerability, and community resilience.
- Riskiest 7%
- of U.S. counties for FEMA National Risk Index score
- Relatively Moderate
- FEMA National Risk Index rating
- 28
- FEMA declarations vs 21 national county avg
- 9,999
- NFIP flood insurance claims filed
FEMA's National Risk Index and its declaration registry are separate measures. This county's registry includes Major Disaster (DR) and Emergency (EM) records; an EM authorizes a narrower set of federal assistance than a DR.
FEMA OpenFEMA declaration desk
County FIPS 29183 · St. Charles County 28 declarations · rank 539/3,266
DECL-HEAVY · MAJOR-MID · RANK-MID · PHOTO-FINISH · NRI-MID · ACT-HIGH · TYPE-LEAD · VS-ST-ABOVE
- DECL-HEAVY 28
- MAJOR-MID 68%
- RANK-MID #539
- PHOTO-FINISH Loíza
- NRI-MID 93
- ACT-HIGH High
- TYPE-LEAD Severe Storm
- VS-ST-ABOVE +14%
Nearest declaration peer: Loíza, PR (0 declaration gap)
FEMA Disaster Declarations Summaries v2 filing stamps for this county register. Read with this county → · Missouri state profile
St. Charles County among high-volume declaration counties
FEMA declaration records among St. Charles County and nearest peers by total count
- Los Angeles · largest
Los Angeles · largest
88 declarations
- Hertford · near 28
Hertford · near
28 declarations
- Loíza · near 28
Loíza · near
28 declarations
- Maunabo · near 28
Maunabo · near
28 declarations
- St. Charles · this county 28
St. Charles · this county
28 declarations
- Ujelang · smallest 1
Ujelang · smallest
1 declarations
What this shows St. Charles County carries 28 FEMA declaration records, ranked 539 of 3,266 counties in this registry.
Where St. Charles County ranks in the national declaration registry
St. Charles County vs. high-volume counties in this registry
FEMA disaster declarations, all-time · St. Charles County
28 Top 19% higher than 81% of 3,266 counties
Each bar is a band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FEMA Disaster Declarations Summaries v2 · 2026-08-25
St. Charles County's FEMA Risk Index score
Which hazard drives modeled loss here?
FEMA's modeled annual dollar loss for St. Charles County is led by Riverine Flooding (about $115.9M Expected Annual Loss, Historical Loss Ratio Relatively High), while Strong Wind carries the highest National Risk Index rating (Very High). EAL and risk score use different inputs; they need not agree.
Source: FEMA National Risk Index (December 2025 release) - Expected Annual Loss vs composite risk rating by hazard.
What does St. Charles County's hazard record show?
Reading the federal records together
FEMA's NFIP table contains a substantial paid-claim history for this county: 9,999 claims and $155.8M in payments. PlainHazard labels 500 or more claims a heavy registry record; that is a reporting bucket, not an official FEMA risk grade. The average paid claim was $15.6K. NFIP totals exclude uninsured flood losses and do not measure how many properties currently carry a policy.
The declaration register points in the busier direction. St. Charles County's 28 federal records stand 14% above the Missouri county mean of 24.6. That comparison describes how often federal action was recorded, including any Major Disaster, Emergency, and Fire Management entries shown on this page; it does not convert the count into future probability.
FEMA National Risk Index
This county sits among the highest-risk counties nationally on FEMA's National Risk Index, a composite score of 92.6/100 (Relatively Moderate). Expected Annual Loss is rated Relatively High (roughly $215.2M in annualized losses). Social vulnerability reads Very Low and community resilience Very High, both critical modifiers of realized harm here. Of the 18 hazards FEMA models, Strong Wind stands out as the sharpest exposure here, rated Very High. FEMA's modeled frequency puts that hazard at an average of 5.9 times per year here, based on 225 historical events on record.
69 /100
Historical Activity Index
High historical activity
St. Charles County, MO · PlainHazard-derived composite from federal records
This 0–100 index is an explicit PlainHazard composite from FEMA declaration history only on the county surface (this DB has no county-level NOAA damage row) . It is not FEMA's National Risk Index, not a forecast, and not a safety, insurance, or preparedness rating. Open the calculator · Methodology
FEMA Declarations (1953–present) High
20/30
28 OpenFEMA declarations, full ingest window (1.4x national county average)
County Disaster Density High
14/25
28 declarations (1.1x state county average of 25)
Major Disaster Share High
17/25
19 of 28 declarations are major disasters (68%)
Hazard Diversity Very High
18/20
7 different disaster types declared in St. Charles County
FEMA NRI 8-hazard radar - St. Charles County
How to read this radar
Each axis: NRI risk rating (Very Low-Very High) on a 0-100 scale. Rounder = broad exposure; spiky = one or two hazards dominate.
Major Disaster share
68%
Major-heavy
NRI risk score
93
Relatively Moderate
Source: FEMA National Risk Index Per-county per-hazard ratings, December 2025 release
How often does each hazard strike St. Charles County?
FEMA's National Risk Index models a historical event count and an annualized frequency for each hazard type. Most hazards are expressed as modeled occurrences per year; FEMA expresses drought and heat-wave frequency as event-days per year. These modeled frequencies are not forecasts.
| Hazard | NRI Risk Rating | Recurrence |
|---|---|---|
| Strong Wind | Very High | an average of 5.9 times per year |
| Hail | Relatively High | an average of 5.3 times per year |
| Tornado | Relatively High | roughly once every 2 years |
| Heat Wave | Relatively Moderate | 15 modeled event-days per year |
| Earthquake | Relatively Moderate | roughly once every 210 years |
| Riverine Flooding | Relatively High | an average of 2.1 times per year |
| Landslide | Relatively Moderate | roughly once every 2 years |
| Cold Wave | Relatively High | an average of 1.7 times per year |
| Lightning | Relatively High | an average of 51 times per year |
| Winter Weather | Relatively High | an average of 8.8 times per year |
| Ice Storm | Relatively Moderate | an average of 1.3 times per year |
| Wildfire | Very Low | roughly once every 2,415 years |
| Drought | Relatively Low | 1.9 modeled event-days per year |
| Hurricane | Very Low | roughly once every 121 years |
Source: FEMA National Risk Index Modeled annualized frequency; drought and heat wave use event-days/year, December 2025 release
Disaster Types
Severe Storm 11
Flood 9
Severe Ice Storm 3
Biological 2
Hurricane 1
Tornado 1
Drought 1
What Severe Storm declarations mean here
Severe Storm is the most frequent declaration type on St. Charles County's record, 39% of its declarations. In FEMA's vocabulary this covers convective weather: thunderstorm straight-line winds, large hail, and the multi-day outbreaks that often carry embedded tornadoes. Activity is heaviest in spring and summer, though the season varies by region.
These events behave differently from a hurricane on paper. Damage tends to be distributed along a storm track rather than concentrated on a coastline, and a declaration typically follows an outbreak that crossed several counties over a few days, not a single point of impact. Because the qualifying threshold is the cost of uninsured public and individual losses rather than storm intensity, two similar storms can produce a declaration in one year and none in another.
Declaration counts describe past federal action. They are a record of what was declared, not a forecast of future hazard probability.
Declaration Types
What DR / EM / FM mean
FEMA categorizes declarations as Major Disasters (DR), Emergencies (EM), or Fire Management Assistance (FM).
Major Disaster - 19 67.9%
of all 28 declarations
Emergency - 9 32.1%
of all 28 declarations
FEMA Declarations Timeline
| Year | Declarations | |
|---|---|---|
| 2022 | 1 | |
| 2020 | 2 | |
| 2019 | 1 | |
| 2016 | 2 | |
| 2013 | 1 | |
| 2011 | 2 | |
| 2009 | 2 | |
| 2008 | 3 | |
| 2007 | 1 | |
| 2006 | 1 | |
| 2005 | 1 | |
| 2000 | 1 | |
| 1995 | 1 | |
| 1994 | 1 | |
| 1993 | 2 | |
Show 6 earlier declaration years
| 1987 | 1 | |
| 1983 | 1 | |
| 1979 | 1 | |
| 1976 | 1 | |
| 1973 | 1 | |
| 1965 | 1 | |
Disaster Declarations
How the 28 FEMA declarations break into federal action codes (DR / EM / FM). Same DISTINCT grain as the table below.
Download these 28 declarations as CSV . FEMA source data is public domain; our derived presentation is CC0.
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 4665 | SEVERE STORMS AND FLOODING | DR | Flood | 2022-08-08 |
| 4490 | COVID-19 PANDEMIC | DR | Biological | 2020-03-26 |
| 3482 | COVID-19 | EM | Biological | 2020-03-13 |
| 4451 | SEVERE STORMS, TORNADOES, AND FLOODING | DR | Severe Storm | 2019-07-09 |
| 4250 | SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND FLOODING | DR | Flood | 2016-01-21 |
| 3374 | SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND FLOODING | EM | Flood | 2016-01-02 |
| 4130 | SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING | DR | Severe Storm | 2013-07-18 |
| 3325 | FLOODING | EM | Flood | 2011-06-30 |
| 3317 | SEVERE WINTER STORM | EM | Severe Storm | 2011-02-03 |
| 3303 | SEVERE WINTER STORM | EM | Severe Ice Storm | 2009-01-30 |
| 1809 | SEVERE STORMS, FLOODING, AND A TORNADO | DR | Severe Storm | 2008-11-13 |
| 1773 | SEVERE STORMS AND FLOODING | DR | Severe Storm | 2008-06-25 |
| 1749 | SEVERE STORMS AND FLOODING | DR | Severe Storm | 2008-03-19 |
| 3281 | SEVERE WINTER STORMS | EM | Severe Ice Storm | 2007-12-12 |
| 1676 | SEVERE WINTER STORMS AND FLOODING | DR | Severe Ice Storm | 2007-01-15 |
| 3267 | SEVERE STORMS | EM | Severe Storm | 2006-07-21 |
| 3232 | HURRICANE KATRINA EVACUATION | EM | Hurricane | 2005-09-10 |
| 1328 | SEVERE THUNDERSTORMS AND FLASH FLOODING | DR | Flood | 2000-05-12 |
| 1054 | SEVERE STORMS, TORNADOES, HAIL, FLOODING | DR | Severe Storm | 1995-06-02 |
| 1023 | SEVERE STORMS, TORNADOES, FLOODING | DR | Severe Storm | 1994-04-21 |
Show 8 earlier declaration records
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 995 | SEVERE STORMS & FLOODING | DR | Flood | 1993-07-09 |
| 989 | SEVERE STORMS & FLOODING | DR | Flood | 1993-05-11 |
| 779 | SEVERE STORMS & FLOODING | DR | Flood | 1986-10-14 |
| 672 | SEVERE STORMS AND FLOODING | DR | Flood | 1982-12-10 |
| 579 | TORNADOES, TORRENTIAL RAIN & FLOODING | DR | Tornado | 1979-04-21 |
| 3017 | DROUGHT | EM | Drought | 1976-09-24 |
| 372 | HEAVY RAINS, TORNADOES & FLOODING | DR | Severe Storm | 1973-04-19 |
| 198 | FLOODING | DR | Severe Storm | 1965-06-14 |
Storm Events in Missouri
Statewide NOAA context only. PlainHazard does not currently attribute these state totals to St. Charles County.
| Storm Type | Events | Fatalities | Injuries | Property Damage |
|---|---|---|---|---|
| Thunderstorm Wind | 6,391 | 30 | 52 | $63.4M |
| Hail | 4,411 | 0 | 1 | $86.1M |
| Flash Flood | 2,399 | 47 | 14 | $406.6M |
| Flood | 1,810 | 25 | 7 | $304.6M |
| Drought | 1,033 | 0 | 350 | $53.6M |
Source: NOAA Storm Events Database State-level aggregated data, 2015-2025
NFIP Flood Insurance Claims
Total Claims
9,999
Total Paid
$155.8M
Avg Per Claim
$15.6K
Source: FEMA National Flood Insurance Program (NFIP) OpenFEMA Claims Data
FEMA National Risk Index
Overall Risk
Relatively Moderate
Score: 92.6/100
Expected Annual Loss
Relatively High
$215.2M/year
Social Vulnerability
Very Low
Community Resilience
Very High
Hazard Risk Breakdown
Strong Wind Very High
Hail Relatively High
Tornado Relatively High
Heat Wave Relatively Moderate
Earthquake Relatively Moderate
Riverine Flooding Relatively High
Landslide Relatively Moderate
Cold Wave Relatively High
Lightning Relatively High
Winter Weather Relatively High
Ice Storm Relatively Moderate
Wildfire Very Low
Drought Relatively Low
Hurricane Very Low
Source: FEMA National Risk Index (NRI) Ratings reflect relative scores among all US counties. Data: hazards.fema.gov/nri
The model's sharpest exposure here: Strong Wind
Strong Wind covers damaging non-thunderstorm, non-tornadic wind, the kind produced by steep pressure gradients and downslope events. It is a broad, frequent, low-drama hazard: roofs, signage, power lines and high-profile vehicles, spread across a wide area rather than concentrated on a path.
For St. Charles County the two measures on this page point the same way: Strong Wind is the county's highest-rated modeled hazard (Very High), and Severe Storm declarations also lead its federal record. Where the model and the declaration history agree, the reading is comparatively straightforward, the hazard is both expected and repeatedly realised.
National Risk Index ratings are modeled estimates of expected annual loss, not predictions of what will happen in any given year.
Data-matched county comparisons
St. Charles County's closest FEMA peer: Bedford County, VA
Comparisons use published FEMA declaration fields plus the National Risk Index composite for St. Charles County. Record similarity, not a safety rating.
Closest declaration profiles
St. Charles County shows 28 FEMA declarations, led by Severe Storm.
Similar Major-disaster share
St. Charles County: 19 of 28 of its declarations are Major.
Similar modeled NRI score
St. Charles County: NRI composite 92.6 (Relatively Moderate).
How these peers are chosen
Cohort: Published U.S. county equivalents outside the source state or territory. Each metric keeps six ETL candidates; three unique destinations are shown after de-duplicating across axes. Declaration-volume ranking combines count and Major-disaster share and prefers a different leading incident type; Major-share ranks the Major fraction adjusted for volume; NRI ranks the modeled composite score only.
Retained FEMA snapshot feed for St. Charles County - capture-dated entries only.
Compare beyond this state
Nationwide peers by NRI score & FEMA declaration volume
Two PlainHazard-derived comparison paths for St. Charles County: nearest out-of-state National Risk Index composite and nearest FEMA declaration count (floor ≥5 records). Record similarity only, not a forecast of the next hazard.
Similar NRI composite
Nearest out-of-state counties by FEMA NRI score. This county: 92.6 (Relatively Moderate).
Similar declaration volume
Nearest out-of-state counties by FEMA declaration count. This county: 28. NRI peers are excluded so the two link sets stay distinct.
Further reading for this county
Understanding disaster data
St. Charles County's NFIP claims file (9,999 claims) and FEMA declaration history measure different federal records - this guide separates them from modeled NRI risk.
More PlainHazard guides
- Most disaster-prone counties - U.S. counties ranked by FEMA declaration totals.
- Understanding disaster data - declarations vs storm events vs NRI scores.
- Preparing for natural disasters - household checklist (not county-specific advice).
Frequently Asked Questions
What is the most common disaster type in St. Charles County?
The most common disaster type in St. Charles County is Severe Storm, with 11 declarations. Other disaster types include Flood (9), Severe Ice Storm (3), Biological (2).
How does St. Charles County's FEMA declaration record compare with the Missouri average?
FEMA lists 28 declaration records for St. Charles County. That is 14% above the Missouri county mean of 24.6. Its count is also 35% above the national county mean of 20.7. A larger declaration history records more federal actions; it is not a forecast of the county's next hazard.
How many major FEMA disaster declarations has St. Charles County received?
St. Charles County has received 19 major disaster declarations, representing 68% of all 28 disaster declarations.
How many flood insurance claims has St. Charles County filed?
St. Charles County has 9,999 National Flood Insurance Program (NFIP) claims totaling $155.8M in payments, with an average of $15.6K per claim.
Does FEMA's top risk-rated hazard match the highest Expected Annual Loss in St. Charles County?
No. In St. Charles County, Strong Wind has the highest National Risk Index rating (Very High), while Riverine Flooding leads Expected Annual Loss at about $115.9M. FEMA's risk score and dollar-loss model use different inputs, so the leaders often differ.
What was the worst year for disasters in St. Charles County?
The most active year for disaster declarations in St. Charles County was 2008, with 3 declarations. The county has FEMA disaster data spanning 1965 to 2022.
What is the FEMA National Risk Index score for St. Charles County?
According to the FEMA National Risk Index, St. Charles County, Missouri has an overall risk score of 92.6 out of 100 (Relatively Moderate). Social vulnerability here rates Very Low, while community resilience comes in at Very High. The Expected Annual Loss (EAL) score is Relatively High, representing $215.2M in annualized losses.
Which natural hazard poses the greatest risk to St. Charles County?
The top hazard flagged by FEMA's NRI for St. Charles County as of the latest release is Strong Wind (risk rating: Very High). Other significant hazards include Hail (Relatively High) and Tornado (Relatively High). FEMA's modeled event frequency puts strong wind here at an average of 5.9 times per year, drawn from 225 historical events on record. FEMA derives these ratings from historical event frequency, the assets exposed, and the community's vulnerability profile.
Data Sources & Methodology
Disaster declaration data comes from the FEMA OpenFEMA Disaster Declarations Summaries v2 API, which includes all federally declared disasters, emergencies, and fire management assistance grants.
Storm event data is sourced from the NOAA Storm Events Database (2015-2025), which tracks significant weather events including thunderstorms, tornadoes, floods, and winter storms.
Flood insurance data comes from the FEMA National Flood Insurance Program (NFIP) OpenFEMA claims dataset.
This data is provided for informational purposes only. FEMA disaster declarations represent federal response actions and may not capture all local emergencies or weather events.
FEMA OpenFEMA declarations + NRI for St. Charles County · vintage 2026-08-25 · Methodology · Missouri profile · Verify with FEMA OpenFEMA · Verify with NOAA Storm Events