Photo: Paul Sableman · CC BY 2.0FEMA expects about as much hazard damage per building in Normandy as in the typical U.S. town, led by earthquakes
On FEMA’s National Risk Index, Normandy gets a B− for hazard risk: lower expected damage per building than 50% of U.S. towns, #85 of 247 in Missouri. Most of that expected damage is earthquakes (49%), then river and rain flooding (32%). Flood insurance has paid 1 claim here since 1982.
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 Normandy faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Earthquakes
River and rain flooding
Hail
Tornadoes
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 Normandy’s grade
Earthquakes are 49% of the building damage FEMA expects in Normandy, and Normandy’s rate of earthquakes damage is higher than 85% of U.S. census tracts. Hail adds 12%, at a rate in the top 6% of U.S. census tracts.
B− #85 of 247 in Missouri; lower expected damage per building than 50% of U.S. towns (21,298).
Normandy’s residents live in 4 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, Normandy has less expected damage per building than 66% of Missouri towns.
In dollars, FEMA expects about $4.3M a year in losses across Normandy: $1.9M to buildings, the rest to people and crops.
Does Normandy flood? Rarely: 1 flood claim since 1982
Every paid claim on a federal flood insurance policy in Normandy, from FEMA’s records: 0.4 per 1,000 homes, fewer than 91% of the 13,809 U.S. towns with a flood insurance record.
Normandy 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.7 federal disasters brought FEMA money to Normandy
Disasters that paid out in Normandy itself (aid to households or repair grants to the City of Normandy), newest first, with that year’s flood claims.
- 2022Severe Storms and Flooding17 households applied for aid$16K aid approved
- 2017Severe Storms, Tornadoes, Straight-line Winds and Flooding2 households applied for aid$2K aid approved
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding2 households applied for aid$4K aid approved
- 2011Severe Storms, Tornadoes, and Flooding2 households applied for aid$134 aid approved
- 2008Severe Storms, Flooding, and a Tornado7 households applied for aid$9K aid approved
- 2006Severe Winter Storms$13K to the City of Normandy for repairs
Show all 7
- 2006Severe Storms$7K to the City of Normandy for repairs
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 Normandy after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Normandy archive →Normandy and its neighbors
Normandy is 3rd of the 7 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 |
|---|---|---|---|
| Wellston | B+less damage than 65% | earthquakes | 30 |
| Bel-Nor | B−less damage than 54% | earthquakes | — |
| Normandy | B−less damage than 50% | earthquakes | 1 |
| Hillsdale | B−more damage than 52% | river and rain flooding | — |
| Velda City | B−more damage than 52% | river and rain flooding | — |
| Ferguson | Cmore damage than 74% | river and rain flooding | 283 |
| Cool Valley | C−more damage than 83% | river and rain flooding | 11 |
| Bellerive Acres | — | 288 residents; we grade 1,000+ | |
| Pasadena Park | — | 710 residents; we grade 1,000+ | |
| Pasadena Hills | — | not graded yet | |
| Norwood Court | — | 797 residents; we grade 1,000+ | |
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 Normandy faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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.
- 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.
- 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 Normandy
Is Normandy at risk for natural disasters?
On FEMA’s National Risk Index, Normandy has lower expected damage per building than 50% of U.S. towns: B− for hazard risk, #85 of 247 in Missouri. Most of the expected damage is earthquakes (49%) and river and rain flooding (32%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Normandy flood?
Flood insurance has paid 1 claim in Normandy since 1982, $3K in all, or 0.4 per 1,000 homes, fewer than 91% of U.S. towns with a flood insurance record.
Is Normandy 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 Normandy?
FEMA’s Community Rating System list shows no discount for Normandy’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 Normandy?
By FEMA money that reached Normandy, Severe Storms and Flooding (2022): 17 households applied for aid, $16K approved.
Is Normandy at risk from earthquakes?
It is the largest share of the building damage FEMA expects here (49%), and Normandy’s rate for it is higher than 85% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Normandy.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Normandy’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.