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DHazard risk
Natural hazards in Lakeshire · FEMA

FEMA expects more hazard damage per building in Lakeshire than in 87% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Lakeshire gets a D for hazard risk: higher expected damage per building than 87% of U.S. towns. Most of that expected damage is river and rain flooding (76%), then earthquakes (14%). Flood insurance has paid 2 claims here since 1982.

River and rain flooding 76%Earthquakes 14%Hail 6%

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

more than 87%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
D
in Missouri · higher than 87% of U.S. towns
Main hazard
River and rain flooding
76% of expected building damage
Flood claims
2
paid since 1982 · $5K
Flood claims per home
3 per 1,000
fewer than 56% of U.S. towns
By hazard

What Lakeshire 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

76%of expected building damage
Well above average · higher than 89% of U.S. census tracts
Recorded about 3 times a year in the area

Earthquakes

14%of expected building damage
Well above average · higher than 83% of U.S. census tracts

Hail

6%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 Lakeshire’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.
Hazard risk grade

What’s behind Lakeshire’s grade

River and rain flooding is 76% of the building damage FEMA expects in Lakeshire, and Lakeshire’s rate of river and rain flooding damage is higher than 89% of U.S. census tracts. Hail adds 6%, at a rate in the top 6% of U.S. census tracts.

Where Lakeshire sits
Lakeshire
Least damageMiddleMost damage

D higher expected damage per building than 87% of U.S. towns (21,298).

All of Lakeshire’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding76%Earthquakes14%Hail6%Everything else3%

In dollars, FEMA expects about $1.1M a year in losses across Lakeshire: $568K to buildings, the rest to people and crops.

Shared tract.All of Lakeshire’s 1,554 residents (2020 census) live in one census tract. FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Lakeshire flood? Rarely: 2 flood claims since 1982

Every paid claim on a federal flood insurance policy in Lakeshire, from FEMA’s records: 2.5 per 1,000 homes, fewer than 56% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1982: 2 claims1983: 0 claims1984: 0 claims1985: 0 claims1986: 0 claims1987: 0 claims1988: 0 claims1989: 0 claims1990: 0 claims1991: 0 claims1992: 0 claims1993: 0 claims1994: 0 claims1995: 0 claims1996: 0 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims1982
19822026
2
paid claims since 1982
$5K
paid to owners
0
homes flooded more than once
$2K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Lakeshire 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

The storms Lakeshire remembers

None of the 30 disasters declared for St. Louis County shows FEMA aid or repair money reaching Lakeshire itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 19822 flood claims paidThe year of Severe Storms and Flooding, declared for St. Louis County
Disasters declared, by decade
Paid out in LakeshireSt. 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 Lakeshire after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Lakeshire archive →
Next door

Lakeshire and its neighbors

Lakeshire is 3rd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Affton: hazard risk CConcord: hazard risk CAfftonConcordLakeshire
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
AfftonCmore damage than 68%river and rain flooding32
ConcordCmore damage than 69%river and rain flooding1
LakeshireDmore damage than 87%river and rain flooding2

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 Lakeshire 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 Lakeshire

Is Lakeshire at risk for natural disasters?

On FEMA’s National Risk Index, Lakeshire has higher expected damage per building than 87% of U.S. towns: D for hazard risk. Most of the expected damage is river and rain flooding (76%) and earthquakes (14%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Lakeshire flood?

Flood insurance has paid 2 claims in Lakeshire since 1982, $5K in all, or 2.5 per 1,000 homes, fewer than 56% of U.S. towns with a flood insurance record.

Is Lakeshire 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 Lakeshire?

FEMA’s Community Rating System list shows no discount for Lakeshire’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Is Lakeshire at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (76%), and Lakeshire’s rate for it is higher than 89% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Lakeshire.

Town Square →
Start the conversation

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