Photo: Paul Sableman · CC BY 2.0On FEMA’s figures, Crystal City faces more hazard damage per building than 72% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Crystal City gets a C for hazard risk: higher expected damage per building than 72% of U.S. towns, #171 of 247 in Missouri. Most of that expected damage is river and rain flooding (54%), then earthquakes (26%). Flood insurance has paid 287 claims here since 1979.
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 stands out about Crystal City’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Crystal City 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
Tornadoes
Strong wind
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 Crystal City’s grade
River and rain flooding is 54% of the building damage FEMA expects in Crystal City, and Crystal City’s rate of river and rain flooding damage is higher than 60% of U.S. census tracts. Strong wind adds 6%, at a rate in the top 4% of U.S. census tracts.
C #171 of 247 in Missouri; higher expected damage per building than 72% of U.S. towns (21,298).
Crystal City’s residents live in 4 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, Crystal City has more expected damage per building than 69% of Missouri towns.
In dollars, FEMA expects about $3.2M a year in losses across Crystal City: $2.3M to buildings, the rest to people and crops.
Does Crystal City flood? Yes: 287 flood claims since 1979
Every paid claim on a federal flood insurance policy in Crystal City, from FEMA’s records: 143.1 per 1,000 homes, more than 97% of the 13,809 U.S. towns with a flood insurance record.
- The Midwest Flooding36 claims · $1.9M
- The Early winter storms5 claims · $164K
Crystal City isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Jefferson County.6 federal disasters brought FEMA money to Crystal City
Disasters that paid out in Crystal City itself (aid to households or repair grants to the City of Crystal City), newest first, with that year’s flood claims.
- 2017Severe Storms, Tornadoes, Straight-line Winds and Flooding2 households applied for aid$4K aid approved1 flood claim paid that year
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding7 households applied for aid$33K aid approved$21K to the City of Crystal City for repairs6 flood claims paid that year
- 2008Severe Storms, Flooding, and a Tornado1 households applied for aid$2K aid approved
- 2008Severe Storms and Flooding3 households applied for aid$3K aid approved$4K to the City of Crystal City for repairs
- 2006Severe Storms$18K to the City of Crystal City for repairs
- 2003Severe Storms, Tornadoes, and Flooding60 households applied for aid$132K aid approved6 flood claims paid that year
Jefferson County has had 26 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 Crystal City after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Crystal City archive →Crystal City and its neighbors
Crystal City is 2nd 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 |
|---|---|---|---|
| Festus | Cmore damage than 71% | river and rain flooding | 89 |
| Crystal City | Cmore damage than 72% | river and rain flooding | 287 |
| Herculaneum | C−more damage than 80% | river and rain flooding | 47 |
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 Crystal City 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.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Crystal City
Is Crystal City at risk for natural disasters?
On FEMA’s National Risk Index, Crystal City has higher expected damage per building than 72% of U.S. towns: C for hazard risk, #171 of 247 in Missouri. Most of the expected damage is river and rain flooding (54%) and earthquakes (26%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Crystal City flood?
Flood insurance has paid 287 claims in Crystal City since 1979, $4.8M in all, or 143.1 per 1,000 homes, more than 97% of U.S. towns with a flood insurance record. 30 properties have flooded more than once. The most claims came from Midwest Flooding (36).
Is Crystal City 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 Jefferson County, 19% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Crystal City?
FEMA’s Community Rating System list shows no discount for Crystal City’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 Crystal City?
By FEMA money that reached Crystal City, Severe Storms, Tornadoes, and Flooding (2003): 60 households applied for aid, $132K approved. By flood claims, Midwest Flooding: 36 paid, $1.9M.
Is Crystal City at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (54%), and Crystal City’s rate for it is higher than 60% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Crystal City.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Crystal City’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.