Property Atlas

County hazard profile

St. Francois, MO

Missouri · pop. 66,914 · FIPS 29187

Relatively Low
FEMA risk rating · RATING
Heat Wave
dominant hazard
$36M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr St. Francois $36M

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 Low 78.53/100
national median ~50 higher than 79% of counties
Social vulnerabilityRelatively Moderate 51.24/100
national median ~50 near the national middle (51st percentile)
Community resilienceRelatively Moderate 53.85/100
national median ~50 near the national middle (54th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in St. Francois

The National Flood Insurance Program has paid 94 flood-insurance claims totaling $2.8M in St. Francois since 1979. The costliest year was 1999 ($801K paid).

Flood-insurance dollars paid by year of loss

1979: $2,905 paid 1982: $1,124 paid 1985: $41,897 paid 1993: $181,324 paid 1994: $2,843 paid 1996: $51,882 paid 1997: $37,720 paid 1998: $18,846 paid 1999: $801,353 paid 2001: $9,013 paid 2002: $58,251 paid 2008: $247,412 paid 2009: $219,535 paid 2011: $46,068 paid 2013: $57,245 paid 2015: $74,581 paid 2016: $46,592 paid 2017: $363,561 paid 2018: $87,932 paid 2019: $17,180 paid 2020: $25,405 paid 2021: $21,279 paid 2022: $32,195 paid 2023: $68,617 paid 2024: $185,399 paid 2025: $76,211 paid 2026: $27,960 paid 1999 · $801K 1979 2026
$2.8M
total paid
$29,833
average claim
$734K
largest single claim
83%
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. Francois, MO and where it ranks among U.S. counties. It is not a verdict on whether St. Francois 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.