Property Atlas

County hazard profile

St. Charles, MO

Missouri · pop. 405,183 · FIPS 29183

Relatively Moderate
FEMA risk rating · RATING
Strong Wind
dominant hazard
$215M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

near the national middle (66th percentile)

national median $15M/yr St. Charles $215M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Moderate 92.59/100
national median ~50 among the highest nationally
Social vulnerabilityVery Low 10.62/100
national median ~50 among the lowest nationally
Community resilienceVery High 95.1/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in St. Charles

The National Flood Insurance Program has paid 9,998 flood-insurance claims totaling $155.7M in St. Charles since 1978. The costliest year was 1993 ($60.5M paid).

Flood-insurance dollars paid by year of loss

1978: $62,798 paid 1979: $5,090,866 paid 1980: $689 paid 1981: $109,150 paid 1982: $3,536,217 paid 1983: $4,185,452 paid 1984: $229,310 paid 1985: $1,338,870 paid 1986: $8,595,202 paid 1987: $11,501 paid 1988: $4,092 paid 1989: $30,454 paid 1990: $1,144,817 paid 1991: $70,540 paid 1992: $25,016 paid 1993: $60,475,690 paid 1994: $288,982 paid 1995: $5,043,342 paid 1996: $767,007 paid 1997: $234,055 paid 1998: $628,806 paid 1999: $263,495 paid 2000: $281,612 paid 2001: $1,154,778 paid 2002: $1,131,437 paid 2003: $58,258 paid 2004: $68,318 paid 2005: $27,883 paid 2006: $0 paid 2007: $11,785 paid 2008: $15,064,465 paid 2009: $399,482 paid 2010: $843,847 paid 2011: $3,139,577 paid 2012: $0 paid 2013: $4,906,327 paid 2014: $832,202 paid 2015: $5,153,836 paid 2016: $477,333 paid 2017: $1,084,872 paid 2018: $597,087 paid 2019: $22,112,561 paid 2020: $840,313 paid 2021: $196,728 paid 2022: $4,759,685 paid 2023: $20,729 paid 2024: $329,385 paid 2025: $69,872 paid 2026: $0 paid 1993 · $60.5M 1978 2026
$155.7M
total paid
$15,573
average claim
$593K
largest single claim
93%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for St. Charles, MO and where it ranks among U.S. counties. It is not a verdict on whether St. Charles is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.