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–Not graded
Natural hazards in Greendale · FEMA

Storms, floods and disasters in Greendale

Greendale isn’t graded for hazard risk: Greendale has 794 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
3
of 30 declared for St. Louis County
By hazard

What Greendale faces

Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.

Earthquakes

44%of expected building damage
Well above average · higher than 86% of U.S. census tracts

River and rain flooding

36%of expected building damage
Well below average · lower than 88% of U.S. census tracts
Recorded about 3 times a year in the area

Hail

13%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

Tornadoes

5%of expected building damage
About average · higher than 58% of U.S. census tracts
Smaller shares here
 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 Greendale’s 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 Greendale flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Greendale. 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

Greendale 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

3 federal disasters brought FEMA money to Greendale

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

  1. 2022Severe Storms and Flooding1 households applied for aid$3K aid approved
  2. 2006Severe Winter Storms$4K to the City of Greendale for repairs
  3. 2006Severe Storms$7K to the City of Greendale for repairs
Disasters declared, by decade
Paid out in GreendaleSt. 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 Greendale after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Greendale archive →
Next door

Greendale and its neighbors

How expected damage per building compares across the town line. Tap a town to see its hazards.

Bel-Nor: hazard risk B−Pagedale: hazard risk B−Normandy: hazard risk B−Bel-NorPagedaleNormandyGreendale
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Bel-NorB−less damage than 54%earthquakes—
PagedaleB−less damage than 50%river and rain flooding17
NormandyB−less damage than 50%earthquakes1

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.

Be ready

Get ready for what Greendale faces

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

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 ↗
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 ↗
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 ↗
Tornado warnings
  • 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.
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 Greendale

Is Greendale 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 Greendale?

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

By FEMA money that reached Greendale, Severe Storms (2006): $7K to the City of Greendale for repairs.

Storm stories

Memories, warnings and help from neighbors in Greendale.

Town Square →
Start the conversation

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