On FEMA’s figures, Glasgow Village faces more hazard damage per building than 66% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Glasgow Village gets a C for hazard risk: higher expected damage per building than 66% of U.S. towns, #144 of 247 in Missouri. Most of that expected damage is river and rain flooding (75%). Flood insurance has paid 9 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 Glasgow Village 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
Hail
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 Glasgow Village’s grade
River and rain flooding is 75% of the building damage FEMA expects in Glasgow Village, and Glasgow Village’s rate of river and rain flooding damage is higher than 73% of U.S. census tracts. Hail adds 10%, at a rate in the top 6% of U.S. census tracts.
C #144 of 247 in Missouri; higher expected damage per building than 66% of U.S. towns (21,298).
Glasgow Village’s residents live in 2 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, Glasgow Village has more expected damage per building than 58% of Missouri towns.
In dollars, FEMA expects about $2.3M a year in losses across Glasgow Village: $770K to buildings, the rest to people and crops.
Does Glasgow Village flood? Rarely: 9 flood claims since 1979
Every paid claim on a federal flood insurance policy in Glasgow Village, from FEMA’s records: 3.8 per 1,000 homes, more than 54% of the 13,809 U.S. towns with a flood insurance record.
- The Midwest Flooding1 claim · $49K
- Hurricane Ike1 claim · $623
Glasgow Village 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 Glasgow Village
Disasters that paid out in Glasgow Village itself (aid to households or repair grants to Glasgow Village), newest first, with that year’s flood claims.
- 2022Severe Storms and Flooding8 households applied for aid$3K 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 Glasgow Village after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Glasgow Village archive →Glasgow Village and its neighbors
Glasgow Village is 3rd of the 5 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 |
|---|---|---|---|
| Riverview | C+more damage than 56% | river and rain flooding | 1 |
| Spanish Lake | C+more damage than 60% | river and rain flooding | 17 |
| Glasgow Village | Cmore damage than 66% | river and rain flooding | 9 |
| Bellefontaine Neighbors | C−more damage than 77% | river and rain flooding | 68 |
| St. Louis | C−more damage than 85% | river and rain flooding | 494 |
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 Glasgow Village 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.
- 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.
- 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 Glasgow Village
Is Glasgow Village at risk for natural disasters?
On FEMA’s National Risk Index, Glasgow Village has higher expected damage per building than 66% of U.S. towns: C for hazard risk, #144 of 247 in Missouri. Most of the expected damage is river and rain flooding (75%) and hail (10%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Glasgow Village flood?
Flood insurance has paid 9 claims in Glasgow Village since 1979, $69K in all, or 3.8 per 1,000 homes, more than 54% of U.S. towns with a flood insurance record. The most claims came from Midwest Flooding (1).
Is Glasgow Village 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 Glasgow Village?
FEMA’s Community Rating System list shows no discount for Glasgow Village’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 Glasgow Village?
By FEMA money that reached Glasgow Village, Severe Storms and Flooding (2022): 8 households applied for aid, $3K approved. By flood claims, Midwest Flooding: 1 paid, $49K.
Is Glasgow Village at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (75%), and Glasgow Village’s rate for it is higher than 73% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Glasgow Village.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Glasgow Village’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.