Photo: Tristan Arbet · CC BY 4.0Storms, floods and disasters in Crystal Lake Park
Crystal Lake Park isn’t graded for hazard risk: Crystal Lake Park has 553 residents; we grade towns of 1,000 or more. Flood insurance has paid 1 claim here since 1993.
What Crystal Lake Park 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.
Does Crystal Lake Park flood? Rarely: 1 flood claim since 1993
Every paid claim on a federal flood insurance policy in Crystal Lake Park, from FEMA’s records.
- The Midwest Flooding1 claim · $17K
Crystal Lake Park 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 Crystal Lake Park
Disasters that paid out in Crystal Lake Park itself (aid to households or repair grants to the City of Crystal Lake Park), newest first, with that year’s flood claims.
- 2022Severe Storms and Flooding1 households applied for aid$540 aid approved
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 Crystal Lake Park after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Crystal Lake Park archive →Crystal Lake Park and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Town and Country | B−more damage than 51% | river and rain flooding | 13 |
| Frontenac | Cmore damage than 68% | river and rain flooding | 37 |
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 Lake Park 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 Crystal Lake Park
Does Crystal Lake Park flood?
Flood insurance has paid 1 claim in Crystal Lake Park since 1993, $17K in all. The most claims came from Midwest Flooding (1).
Is Crystal Lake Park 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 Crystal Lake Park?
FEMA’s Community Rating System list shows no discount for Crystal Lake Park’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 Lake Park?
By FEMA money that reached Crystal Lake Park, Severe Storms and Flooding (2022): 1 households applied for aid, $540 approved. By flood claims, Midwest Flooding: 1 paid, $17K.
Storm stories
Memories, warnings and help from neighbors in Crystal Lake Park.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Crystal Lake Park’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.