St. Clair County, Missouri: hazard risk
FEMA rates St. Clair County's overall risk Very Low (score 25.6 of 100, higher than 25% of rated U.S. counties). Its storm record holds 531 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Drought | Relatively Moderate | 80.8 | $699K |
| Ice Storm | Relatively Moderate | 68.9 | $147K |
| Winter Weather | Relatively Moderate | 66.2 | $80K |
| Heat Wave | Relatively Low | 57.0 | $362K |
| Cold Wave | Relatively Low | 48.1 | $621K |
| Hail | Relatively Low | 43.6 | $146K |
| Strong Wind | Relatively Low | 40.4 | $298K |
| Tornado | Relatively Low | 36.1 | $510K |
| Riverine Flooding | Relatively Low | 35.8 | $3.0M |
| Lightning | Relatively Low | 33.1 | $87K |
| Wildfire | Very Low | 53.1 | $40K |
| Earthquake | Very Low | 41.7 | $120K |
| Landslide | Very Low | 32.5 | $268 |
| Hurricane | Very Low | 20.2 | $4K |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Hail | 163 | 0 | $363K | 54th of 114 | 806th of 3,080 |
| Severe thunderstorm wind | 151 | 0 | $1.2M | 72nd of 114 | 1736th of 3,080 |
| Floods | 72 | 2 | $565K | 62nd of 114 | 890th of 3,080 |
| Winter storms | 50 | 0 | $2.3M | 89th of 114 | 1919th of 3,077 |
| Drought | 31 | 0 | $22M | 40th of 114 | 1037th of 3,063 |
| Tornadoes | 25 | 0 | $81M | 64th of 114 | 1483rd of 3,080 |
| Heavy rain | 11 | 0 | – | 28th of 114 | 628th of 3,080 |
| Extreme cold | 10 | 0 | $11M | 64th of 114 | 1419th of 3,076 |
| Heat | 9 | 0 | – | 100th of 114 | 1244th of 3,076 |
| High wind and dust storms | 4 | 0 | – | 72nd of 114 | 2609th of 3,080 |
| Lightning | 2 | 0 | $31K | 44th of 114 | 1618th of 3,080 |
| Wildfires | 2 | 0 | $34K | 23rd of 114 | 707th of 2,972 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full St. Clair County record: every hazard by year and month, the deadliest events and FEMA's declarations.