Photo: LittleT889 · CC BY-SA 4.0FEMA expects about as much hazard damage per building in Creve Coeur as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Creve Coeur gets a C+ for hazard risk: higher expected damage per building than 60% of U.S. towns, #130 of 247 in Missouri. Most of that expected damage is river and rain flooding (53%), then earthquakes (31%). Flood insurance has paid 15 claims here since 1978.
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 Creve Coeur 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 Creve Coeur’s grade
River and rain flooding is 53% of the building damage FEMA expects in Creve Coeur, and Creve Coeur’s rate of river and rain flooding damage is lower than 53% of U.S. census tracts. Hail adds 11%, at a rate in the top 6% of U.S. census tracts.
C+ #130 of 247 in Missouri; higher expected damage per building than 60% of U.S. towns (21,298).
Creve Coeur’s residents live in 10 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, Creve Coeur has more expected damage per building than 52% of Missouri towns.
In dollars, FEMA expects about $19.2M a year in losses across Creve Coeur: $10.6M to buildings, the rest to people and crops.
Does Creve Coeur flood? Sometimes: 15 flood claims since 1978
Every paid claim on a federal flood insurance policy in Creve Coeur, from FEMA’s records: 1.7 per 1,000 homes, fewer than 66% of the 13,809 U.S. towns with a flood insurance record.
- The Late July Flooding2 claims · $49K
- Hurricane Ike1 claim · $12K
Creve Coeur 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.6 federal disasters brought FEMA money to Creve Coeur
Disasters that paid out in Creve Coeur itself (aid to households or repair grants to the City of Creve Coeur), newest first, with that year’s flood claims.
- 2025Severe Storms, Straight-line Winds, Tornadoes, and Flooding1 households applied for aid$1K aid approved
- 2022Severe Storms and Flooding9 households applied for aid$24K aid approved3 flood claims paid that year
- 2008Severe Storms, Flooding, and a Tornado3 households applied for aid$6K aid approved1 flood claim paid that year
- 2007Severe Winter Storms and Flooding$209K to the City of Creve Coeur for repairs
- 2006Severe Winter Storms$87K to the City of Creve Coeur for repairs
- 2006Severe Storms$100K to the City of Creve Coeur for repairs
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 Creve Coeur after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Creve Coeur archive →Creve Coeur and its neighbors
Creve Coeur 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 |
|---|---|---|---|
| Chesterfield | B−less damage than 53% | river and rain flooding | 48 |
| Town and Country | B−more damage than 51% | river and rain flooding | 13 |
| Creve Coeur | C+more damage than 60% | river and rain flooding | 15 |
| Frontenac | Cmore damage than 68% | river and rain flooding | 37 |
| Westwood | — | 338 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 Creve Coeur 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 Creve Coeur
Is Creve Coeur at risk for natural disasters?
On FEMA’s National Risk Index, Creve Coeur has higher expected damage per building than 60% of U.S. towns: C+ for hazard risk, #130 of 247 in Missouri. Most of the expected damage is river and rain flooding (53%) and earthquakes (31%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Creve Coeur flood?
Flood insurance has paid 15 claims in Creve Coeur since 1978, $657K in all, or 1.7 per 1,000 homes, fewer than 66% of U.S. towns with a flood insurance record. 3 properties have flooded more than once. The most claims came from Late July Flooding (2).
Is Creve Coeur 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 Creve Coeur?
FEMA’s Community Rating System list shows no discount for Creve Coeur’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 Creve Coeur?
By FEMA money that reached Creve Coeur, Severe Winter Storms and Flooding (2007): $209K to the City of Creve Coeur for repairs. By flood claims, Late July Flooding: 2 paid, $49K.
Is Creve Coeur at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (53%), and Creve Coeur’s rate for it is lower than 53% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Creve Coeur.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Creve Coeur’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.