St. Louis (city), Missouri: hazard risk
FEMA rates St. Louis (city)'s overall risk Relatively High (score 98.7 of 100, higher than 98% of rated U.S. counties); 7 of its 14 hazards are rated Relatively High or Very High, led by heat wave, tornado, earthquake. Its storm record holds 472 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 |
|---|---|---|---|
| Heat Wave | Very High | 99.8 | $172M |
| Tornado | Very High | 98.9 | $28M |
| Earthquake | Relatively High | 98.5 | $58M |
| Riverine Flooding | Relatively High | 97.0 | $91M |
| Strong Wind | Relatively High | 94.5 | $2.3M |
| Lightning | Relatively High | 88.9 | $874K |
| Ice Storm | Relatively High | 83.7 | $434K |
| Cold Wave | Relatively Moderate | 87.2 | $4.5M |
| Hail | Relatively Moderate | 87.1 | $1.1M |
| Winter Weather | Relatively Moderate | 79.7 | $162K |
| Landslide | Very Low | 46.0 | $827 |
| Hurricane | Very Low | 32.1 | $13K |
| Wildfire | Very Low | 3.0 | $831 |
| Drought | No Rating | 0.0 | $0 |
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. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 129 | 2 | $2.1M | ||
| Heat | 106 | 104 | – | ||
| Hail | 102 | 0 | $1.3M | ||
| Winter storms | 57 | 2 | $76M | ||
| Floods | 41 | 1 | $87M | ||
| High wind and dust storms | 10 | 0 | $8K | ||
| Tornadoes | 8 | 15 | $1.9B | ||
| Extreme cold | 5 | 0 | – | ||
| Heavy rain | 5 | 0 | – | ||
| Lightning | 5 | 1 | $8K | ||
| Drought | 4 | 0 | – |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full St. Louis (city) record: every hazard by year and month, the deadliest events and FEMA's declarations.