On FEMA’s figures, Greenwood Township faces more hazard damage per building than 66% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Greenwood Township gets a C for hazard risk: higher expected damage per building than 66% of U.S. towns. Most of that expected damage is river and rain flooding (90%). FEMA’s files show no paid flood insurance claims here.
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 Greenwood 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
Wildfire
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 Greenwood Township’s grade
River and rain flooding is 90% of the building damage FEMA expects in Greenwood Township, and Greenwood Township’s rate of river and rain flooding damage is higher than 81% of U.S. census tracts. Wildfire adds 8%, at a rate in the top 5% of U.S. census tracts.
C higher expected damage per building than 66% of U.S. towns (21,298).
Greenwood Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.7M a year in losses across Greenwood Township: $951K to buildings, the rest to people and crops.
Does Greenwood Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Greenwood Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Greenwood 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.1 federal disaster brought FEMA money to Greenwood Township
Disasters that paid out in Greenwood Township itself (aid to households or repair grants to Greenwood Township), newest first, with that year’s flood claims.
- 2022Severe Storms, Straight-line Winds, and Flooding$14K to Greenwood 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 Greenwood Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Greenwood Township archive →Greenwood Township and its neighbors
Greenwood Township has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Greenwood Township | Cmore damage than 66% | river and rain flooding | 0 |
| Breitung Township | — | 651 residents; we grade 1,000+ | |
| Vermilion Lake Township | — | 243 residents; we grade 1,000+ | |
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 Greenwood 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.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- 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 Greenwood Township
Is Greenwood Township at risk for natural disasters?
On FEMA’s National Risk Index, Greenwood Township has higher expected damage per building than 66% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (90%) and wildfire (8%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Greenwood 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 Greenwood Township?
FEMA’s Community Rating System list shows no discount for Greenwood 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 Greenwood Township?
By FEMA money that reached Greenwood Township, Severe Storms, Straight-line Winds, and Flooding (2022): $14K to Greenwood Township for repairs.
Is Greenwood Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (90%), and Greenwood Township’s rate for it is higher than 81% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Greenwood Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Greenwood 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.