On FEMA’s figures, Fredenberg Township faces less hazard damage per building than 62% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Fredenberg Township gets a B for hazard risk: lower expected damage per building than 62% of U.S. towns. Most of that expected damage is river and rain flooding (95%). Flood insurance has paid 2 claims here since 2022.
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 Fredenberg Township 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
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 Fredenberg Township’s grade
River and rain flooding is 95% of the building damage FEMA expects in Fredenberg Township, and Fredenberg Township’s rate of river and rain flooding damage is higher than 67% of U.S. census tracts.
B lower expected damage per building than 62% of U.S. towns (21,298).
All of Fredenberg Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $492K a year in losses across Fredenberg Township: $423K to buildings, the rest to people and crops.
Does Fredenberg Township flood? Rarely: 2 flood claims since 2022
Every paid claim on a federal flood insurance policy in Fredenberg Township, from FEMA’s records: 2.8 per 1,000 homes, fewer than 53% of the 13,809 U.S. towns with a flood insurance record.
- The June Midwest Flooding1 claim · $235K
Fredenberg Township isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: St. Louis County.3 federal disasters brought FEMA money to Fredenberg Township
Disasters that paid out in Fredenberg Township itself (aid to households or repair grants to Fredenberg Township), newest first, with that year’s flood claims.
- 2012Severe Storms and Flooding$3K to Fredenberg Township for repairs
- 2001Severe Winter Storms, Flooding, and Tornadoes$5K to Fredenberg Township for repairs
- 1999Severe Storms, Winds, and Flooding$3K to Fredenberg Township for repairs
St. Louis County has had 13 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in St. Louis County, 2025–2025.
Old photos of Fredenberg Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Fredenberg Township archive →Fredenberg Township and its neighbors
Fredenberg Township is 3rd of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Grand Lake Township | B+less damage than 70% | river and rain flooding | — |
| Canosia Township | B+less damage than 67% | river and rain flooding | — |
| Fredenberg Township | Bless damage than 62% | river and rain flooding | 2 |
| Gnesen Township | B−less damage than 54% | river and rain flooding | — |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Fredenberg Township 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.
- 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 Fredenberg Township
Is Fredenberg Township at risk for natural disasters?
On FEMA’s National Risk Index, Fredenberg Township has lower expected damage per building than 62% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (95%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Fredenberg Township flood?
Flood insurance has paid 2 claims in Fredenberg Township since 2022, $259K in all, or 2.8 per 1,000 homes, fewer than 53% of U.S. towns with a flood insurance record. The most claims came from June Midwest Flooding (1).
Is Fredenberg Township 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 St. Louis County, 0.3% of all homes carry federal flood insurance.
How much is flood insurance in Fredenberg Township?
FEMA’s Community Rating System list shows no discount for Fredenberg Township’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 Fredenberg Township?
By FEMA money that reached Fredenberg Township, Severe Winter Storms, Flooding, and Tornadoes (2001): $5K to Fredenberg Township for repairs. By flood claims, June Midwest Flooding: 1 paid, $235K.
Is Fredenberg Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (95%), and Fredenberg Township’s rate for it is higher than 67% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Fredenberg Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Fredenberg Township’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.