riskbycounty
FEMA National Risk Index

St. Louis city Disaster Risk

St. Louis city, Missouri

FEMA Risk Rating

Relatively High

National Percentile

99th

of 3,144 counties

State Rank

#2

of 115 (1 = highest risk)

Flood Risk

97th

percentile

Hazard Risk Breakdown

Flood

River, coastal, and surface flooding risk

Relatively High

Higher than 97% of US counties

Wildfire

Wildland and wildland-urban interface fire risk

Very Low

Higher than 3% of US counties

Tornado

Tornado and severe thunderstorm risk

Relatively High

Higher than 99% of US counties

Earthquake

Seismic activity and ground shaking risk

Relatively High

Higher than 98% of US counties

Hurricane

Tropical cyclone and hurricane risk

Very Low

Higher than 32% of US counties

Risk Advisory: St. Louis city

Risk Verdict

St. Louis city carries a relatively high overall disaster risk profile, scoring in the 99th percentile nationally. This places it among the most at-risk counties in the United States. Residents should prioritize comprehensive emergency preparedness, including reviewing insurance coverage and having an evacuation plan.

Hazard Breakdown

Tornado risk is the dominant hazard for St. Louis city, scoring in the 99th percentile nationally. It is followed by earthquake risk at the 98th percentile. Additional hazards include flood (97th), hurricane (32th), wildfire (3th).

Preparedness Context

With tornado risk as the top concern, St. Louis city residents should identify a safe room or interior space on the lowest floor, have a NOAA weather radio, and practice tornado drills with your household. Secondary risks such as earthquake also warrant attention in household and community preparedness planning. FEMA recommends all households maintain at least 72 hours of food, water, and medication supplies regardless of specific hazard exposure.

Regional Context

St. Louis city is significantly riskier than the average county in Missouri. Its composite risk score is 48.1 points higher than the state average, meaning residents face above-average exposure to natural hazards compared to their neighbors.

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Frequently Asked Questions

What is the natural disaster risk in St. Louis city, MO?
St. Louis city has a FEMA National Risk Index rating of Relatively High, placing it in the 99th percentile nationally out of 3,144 counties. This composite score reflects the county's overall exposure to natural hazards including floods, wildfires, tornadoes, earthquakes, and hurricanes, weighted by expected annual loss and social vulnerability.
What types of natural hazards affect St. Louis city?
St. Louis city is evaluated for five major natural hazard types: tornado (99th percentile), earthquake (98th percentile), flooding (97th percentile), hurricane (32th percentile), wildfire (3th percentile). The highest-risk hazard is tornado at the 99th percentile nationally. These scores are derived from FEMA's National Risk Index, which analyzes expected annual loss, social vulnerability, and community resilience for each hazard type.
How does St. Louis city risk compare to the Missouri average?
St. Louis city's composite risk percentile is 99th, compared to the Missouri state average of 51th percentile. The state's overall risk rating is Relatively Low. This means St. Louis city faces higher natural disaster risk than the typical county in Missouri.
Is St. Louis city at risk for tornado?
Yes, St. Louis city's tornado risk is at the 99th percentile nationally. This places it in the top quartile for this hazard type. For flooding specifically, St. Louis city is at the 97th percentile.
How is natural disaster risk measured?
FEMA's National Risk Index (NRI) calculates risk scores for 18 natural hazard types across all U.S. counties and census tracts. The composite score combines Expected Annual Loss (estimated dollar losses from each hazard), Social Vulnerability (demographic factors affecting disaster impact), and Community Resilience (ability to recover). Percentile scores rank each county against all 3,144 U.S. counties, and risk ratings range from Very Low to Very High.
Why is St. Louis city higher risk than average?
St. Louis city's composite risk score of 99th percentile is above the Missouri state average of 51th percentile. This elevated risk is driven by tornado exposure (99th percentile), along with earthquake and flooding risk. Geographic location, terrain, climate patterns, and proximity to flood zones or fault lines all influence a county's risk profile.

Counties with Similar Risk

St. Louis County

Missouri

+0.6

Relatively High

99th percentile

Jackson County

Missouri

-2.2

Relatively High

97th percentile

St. Charles County

Missouri

-6.1

Relatively Moderate

93th percentile

By Logan Johnson, Founder & Data EditorUpdated Reviewed by Logan Johnson, Founder & Data Editor

Data Source

Risk data sourced from the FEMA National Risk Index (NRI). Risk scores are relative rankings (0–100) across all US counties — not absolute risk measures. Higher scores indicate higher relative risk compared to other counties.

Disclaimer: This data is informational only. It is not financial, insurance, or legal advice. Always consult a qualified professional before making insurance or real estate decisions.

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