Joseph Sappington House · Photo: LittleT889 · CC BY-SA 4.0FEMA puts Concord’s expected hazard damage per building above that of 69% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Concord gets a C for hazard risk: higher expected damage per building than 69% of U.S. towns, #155 of 247 in Missouri. Most of that expected damage is river and rain flooding (59%), then earthquakes (26%). Flood insurance has paid 1 claim here since 1982.
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 Concord 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 Concord’s grade
River and rain flooding is 59% of the building damage FEMA expects in Concord, and Concord’s rate of river and rain flooding damage is higher than 63% of U.S. census tracts. Hail adds 10%, at a rate in the top 6% of U.S. census tracts.
C #155 of 247 in Missouri; higher expected damage per building than 69% of U.S. towns (21,298).
Concord’s residents live in 8 census tracts; FEMA’s figures are combined by where they live.
The typical Missouri town has higher expected damage than 59% of U.S. towns; within the state, Concord has more expected damage per building than 63% of Missouri towns.
In dollars, FEMA expects about $12.6M a year in losses across Concord: $5.7M to buildings, the rest to people and crops.
Does Concord flood? Rarely: 1 flood claim since 1982
Every paid claim on a federal flood insurance policy in Concord, from FEMA’s records: 0.1 per 1,000 homes, fewer than 99% of the 13,809 U.S. towns with a flood insurance record.
Concord 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 Concord remembers
None of the 30 disasters declared for St. Louis County shows FEMA aid or repair money reaching Concord itself in FEMA’s records, so these are its biggest flood-claim years.
- 19821 flood claims paidThe year of Severe Storms and Flooding, declared for St. Louis County
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.
Old photos of Concord after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Concord archive →Concord and its neighbors
Concord is 4th of the 6 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 |
|---|---|---|---|
| Sappington | B−more damage than 53% | river and rain flooding | 2 |
| Green Park | C+more damage than 57% | river and rain flooding | 8 |
| Affton | Cmore damage than 68% | river and rain flooding | 32 |
| Concord | Cmore damage than 69% | river and rain flooding | 1 |
| Mehlville | Cmore damage than 74% | river and rain flooding | 12 |
| Lakeshire | Dmore damage than 87% | river and rain flooding | 2 |
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 Concord 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 Concord
Is Concord at risk for natural disasters?
On FEMA’s National Risk Index, Concord has higher expected damage per building than 69% of U.S. towns: C for hazard risk, #155 of 247 in Missouri. Most of the expected damage is river and rain flooding (59%) and earthquakes (26%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Concord flood?
Flood insurance has paid 1 claim in Concord since 1982, $8K in all, or 0.1 per 1,000 homes, fewer than 99% of U.S. towns with a flood insurance record.
Is Concord 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 Concord?
FEMA’s Community Rating System list shows no discount for Concord’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Concord at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (59%), and Concord’s rate for it is higher than 63% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Concord.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Concord’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.