St. Louis County, Missouri: hazard risk
FEMA rates St. Louis County's overall risk Relatively High (score 99.3 of 100, higher than 99% of rated U.S. counties); 10 of its 14 hazards are rated Relatively High or Very High, led by heat wave, hail, lightning. Its storm record holds 1,651 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 | 99.9 | $253M |
| Hail | Very High | 99.7 | $38M |
| Lightning | Very High | 99.3 | $5.5M |
| Cold Wave | Very High | 99.1 | $41M |
| Ice Storm | Very High | 98.8 | $3.8M |
| Winter Weather | Very High | 98.3 | $1.5M |
| Riverine Flooding | Relatively High | 99.1 | $240M |
| Earthquake | Relatively High | 99.0 | $141M |
| Tornado | Relatively High | 98.1 | $26M |
| Strong Wind | Relatively High | 89.8 | $2.2M |
| Landslide | Relatively Moderate | 97.6 | $443K |
| Wildfire | Very Low | 61.7 | $101K |
| Hurricane | Very Low | 45.1 | $48K |
| Drought | Very Low | 27.8 | $20K |
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 | 660 | 0 | $1.4B | 3rd of 114 | 15th of 3,080 |
| Severe thunderstorm wind | 635 | 3 | $2.5M | 1st of 114 | 52nd of 3,080 |
| Heat | 95 | 41 | – | 5th of 114 | 111th of 3,076 |
| Floods | 90 | 7 | $344M | 30th of 114 | 306th of 3,080 |
| Winter storms | 60 | 0 | $64M | 26th of 114 | 1275th of 3,077 |
| Tornadoes | 58 | 15 | $884M | 2nd of 114 | 90th of 3,080 |
| Lightning | 16 | 4 | $599K | 1st of 114 | 224th of 3,080 |
| High wind and dust storms | 15 | 0 | $58K | 12th of 114 | 1494th of 3,080 |
| Drought | 8 | 0 | – | 92nd of 114 | 1784th of 3,063 |
| Heavy rain | 8 | 0 | – | 27th of 114 | 590th of 3,080 |
| Extreme cold | 6 | 1 | – | 86th of 114 | 1642nd of 3,076 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full St. Louis County record: every hazard by year and month, the deadliest events and FEMA's declarations.