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–Not graded
Natural hazards in Flordell Hills · FEMA

Storms, floods and disasters in Flordell Hills

Flordell Hills isn’t graded for hazard risk: FEMA’s tract figures aren’t matched to Flordell Hills yet.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
2
of 30 declared for St. Louis County
By hazard

What Flordell Hills 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

66%of expected building damage
Well above average · higher than 80% of U.S. census tracts
Recorded about 3 times a year in the area

Earthquakes

22%of expected building damage
Well above average · higher than 84% of U.S. census tracts

Hail

8%of expected building damage
Well above average · in the top 6% of U.S. census tracts
Recorded about 5 times a year in the area
Smaller shares here
 Tornadoes Ice storms Winter storms Lightning Hurricanes Strong wind Wildfire Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts heat waves at 35% of Flordell Hills’ expected losses. Heat waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Flordell Hills flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Flordell Hills. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

Flordell Hills 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.
Disasters

2 federal disasters brought FEMA money to Flordell Hills

Disasters that paid out in Flordell Hills itself (aid to households or repair grants to the City of Flordell Hills), newest first, with that year’s flood claims.

  1. 2022Severe Storms and Flooding3 households applied for aid$5K aid approved
  2. 2006Severe Storms$2K to the City of Flordell Hills for repairs
Disasters declared, by decade
Paid out in Flordell HillsSt. Louis County only

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.

Were you here?

Old photos of Flordell Hills after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Flordell Hills archive →
Be ready

Get ready for what Flordell Hills faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
More from Ready.gov ↗
Hail
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Flordell Hills

Is Flordell Hills 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 Flordell Hills?

FEMA’s Community Rating System list shows no discount for Flordell Hills’ 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 Flordell Hills?

By FEMA money that reached Flordell Hills, Severe Storms and Flooding (2022): 3 households applied for aid, $5K approved.

Storm stories

Memories, warnings and help from neighbors in Flordell Hills.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Flordell Hills’ 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.