On FEMA’s figures, Castle Point faces more hazard damage per building than 91% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Castle Point gets a D for hazard risk: higher expected damage per building than 91% of U.S. towns. Most of that expected damage is river and rain flooding (72%), then earthquakes (19%). 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 Castle Point 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
Hail
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 Castle Point’s grade
River and rain flooding is 72% of the building damage FEMA expects in Castle Point, and Castle Point’s rate of river and rain flooding damage is in the top 7% of U.S. census tracts. Hail adds 5%, at a rate in the top 6% of U.S. census tracts.
D higher expected damage per building than 91% of U.S. towns (21,298).
Castle Point’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $2.4M a year in losses across Castle Point: $1.1M to buildings, the rest to people and crops.
Does Castle Point flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Castle Point. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Castle Point 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.The storms Castle Point remembers
None of the 30 disasters declared for St. Louis County shows FEMA aid or repair money reaching Castle Point itself in FEMA’s records, so these are its biggest flood-claim years.
St. Louis County has had 30 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.
Castle Point and its neighbors
Castle Point is 3rd of the 3 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 |
|---|---|---|---|
| Bellefontaine Neighbors | C−more damage than 77% | river and rain flooding | 68 |
| Moline Acres | Dmore damage than 91% | river and rain flooding | 26 |
| Castle Point | Dmore damage than 91% | river and rain flooding | 0 |
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 Castle Point 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Castle Point
Is Castle Point at risk for natural disasters?
On FEMA’s National Risk Index, Castle Point has higher expected damage per building than 91% of U.S. towns: D for hazard risk. Most of the expected damage is river and rain flooding (72%) and earthquakes (19%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Castle Point 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, 34% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Castle Point?
FEMA’s Community Rating System list shows no discount for Castle Point’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Castle Point at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (72%), and Castle Point’s rate for it is in the top 7% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Castle Point.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Castle Point’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.