For strong wind, Valmeyer’s building-damage rate is in the top 3% of U.S. census tracts
On FEMA’s National Risk Index, Valmeyer gets a C+ for hazard risk: higher expected damage per building than 63% of U.S. towns. Most of that expected damage is river and rain flooding (54%), then earthquakes (23%). Flood insurance has paid 268 claims here since 1993.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What stands out about Valmeyer’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Valmeyer faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Earthquakes
Tornadoes
Strong wind
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Valmeyer’s grade
River and rain flooding is 54% of the building damage FEMA expects in Valmeyer, and Valmeyer’s rate of river and rain flooding damage is lower than 51% of U.S. census tracts. Strong wind adds 8%, at a rate in the top 3% of U.S. census tracts.
C+ higher expected damage per building than 63% of U.S. towns (21,298).
Valmeyer’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $767K a year in losses across Valmeyer: $394K to buildings, the rest to people and crops.
Does Valmeyer flood? Yes: 268 flood claims since 1993
Every paid claim on a federal flood insurance policy in Valmeyer, from FEMA’s records: 591.6 per 1,000 homes, more than 100% of the 13,809 U.S. towns with a flood insurance record.
- The Midwest Flooding266 claims · $11.6M
Valmeyer isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Monroe County.2 federal disasters brought FEMA money to Valmeyer
Disasters that paid out in Valmeyer itself (aid to households or repair grants to the Village of Valmeyer), newest first, with that year’s flood claims.
- 2019Severe Storms and Flooding$14K to the Village of Valmeyer for repairs
- 2006Severe Winter Storm$2K to the Village of Valmeyer for repairs
Monroe County has had 17 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Valmeyer after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Valmeyer archive →Get ready for what Valmeyer faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Valmeyer
Is Valmeyer at risk for natural disasters?
On FEMA’s National Risk Index, Valmeyer has higher expected damage per building than 63% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (54%) and earthquakes (23%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Valmeyer flood?
Flood insurance has paid 268 claims in Valmeyer since 1993, $11.6M in all, or 591.6 per 1,000 homes, more than 100% of U.S. towns with a flood insurance record. The most claims came from Midwest Flooding (266).
Is Valmeyer in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Monroe County, 1.0% of all homes carry federal flood insurance.
How much is flood insurance in Valmeyer?
FEMA’s Community Rating System list shows no discount for Valmeyer’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Valmeyer?
By FEMA money that reached Valmeyer, Severe Storms and Flooding (2019): $14K to the Village of Valmeyer for repairs. By flood claims, Midwest Flooding: 266 paid, $11.6M.
Is Valmeyer at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (54%), and Valmeyer’s rate for it is lower than 51% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Valmeyer.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Valmeyer’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.