More hazard damage per building is expected in Dardenne Prairie than in 88% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Dardenne Prairie gets a D for hazard risk: higher expected damage per building than 88% of U.S. towns, #231 of 247 in Missouri. Most of that expected damage is river and rain flooding (84%). Flood insurance has paid 1 claim here since 2022.
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 Dardenne Prairie 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
Tornadoes
Earthquakes
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 Dardenne Prairie’s grade
River and rain flooding is 84% of the building damage FEMA expects in Dardenne Prairie, and Dardenne Prairie’s rate of river and rain flooding damage is in the top 7% of U.S. census tracts. Next is tornadoes at 6% (higher than 82% of U.S. census tracts).
D #231 of 247 in Missouri; higher expected damage per building than 88% of U.S. towns (21,298).
Dardenne Prairie’s residents live in 7 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, Dardenne Prairie has more expected damage per building than 93% of Missouri towns.
In dollars, FEMA expects about $8.2M a year in losses across Dardenne Prairie: $6.4M to buildings, the rest to people and crops.
Does Dardenne Prairie flood? Rarely: 1 flood claim since 2022
Every paid claim on a federal flood insurance policy in Dardenne Prairie, from FEMA’s records: 0.2 per 1,000 homes, fewer than 97% of the 13,809 U.S. towns with a flood insurance record.
- The Late July Flooding1 claim · $6K
Dardenne Prairie 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. Charles County.1 federal disaster brought FEMA money to Dardenne Prairie
Disasters that paid out in Dardenne Prairie itself (aid to households or repair grants to the City of Dardenne Prairie), newest first, with that year’s flood claims.
- 2022Severe Storms and Flooding4 households applied for aid$6K aid approved1 flood claim paid that year
St. Charles County has had 24 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 Dardenne Prairie after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Dardenne Prairie archive →Dardenne Prairie and its neighbors
Dardenne Prairie 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 |
|---|---|---|---|
| Lake St. Louis | C+more damage than 58% | river and rain flooding | 5 |
| O'Fallon | C−more damage than 81% | river and rain flooding | 45 |
| Dardenne Prairie | Dmore damage than 88% | river and rain flooding | 1 |
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 Dardenne Prairie 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.
- 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Dardenne Prairie
Is Dardenne Prairie at risk for natural disasters?
On FEMA’s National Risk Index, Dardenne Prairie has higher expected damage per building than 88% of U.S. towns: D for hazard risk, #231 of 247 in Missouri. Most of the expected damage is river and rain flooding (84%) and tornadoes (6%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Dardenne Prairie flood?
Flood insurance has paid 1 claim in Dardenne Prairie since 2022, $6K in all, or 0.2 per 1,000 homes, fewer than 97% of U.S. towns with a flood insurance record. The most claims came from Late July Flooding (1).
Is Dardenne Prairie 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. Charles County, 35% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.
How much is flood insurance in Dardenne Prairie?
FEMA’s Community Rating System list shows no discount for Dardenne Prairie’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 Dardenne Prairie?
By FEMA money that reached Dardenne Prairie, Severe Storms and Flooding (2022): 4 households applied for aid, $6K approved. By flood claims, Late July Flooding: 1 paid, $6K.
Is Dardenne Prairie at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (84%), and Dardenne Prairie’s rate for it is in the top 7% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Dardenne Prairie.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Dardenne Prairie’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.