Photo: Paul Sableman · CC BY 2.0On FEMA’s figures, Overland faces about as much hazard damage per building as the typical U.S. town, led by river and rain flooding
On FEMA’s National Risk Index, Overland gets a B for hazard risk: lower expected damage per building than 56% of U.S. towns, #63 of 247 in Missouri. Most of that expected damage is river and rain flooding (46%), then earthquakes (34%). Flood insurance has paid 56 claims here since 1978.
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 Overland 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
Earthquakes
Hail
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 Overland’s grade
River and rain flooding is 46% of the building damage FEMA expects in Overland, and Overland’s rate of river and rain flooding damage is lower than 72% of U.S. census tracts. Hail adds 13%, at a rate in the top 6% of U.S. census tracts.
B #63 of 247 in Missouri; lower expected damage per building than 56% of U.S. towns (21,298).
Overland’s residents live in 7 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, Overland has less expected damage per building than 75% of Missouri towns.
In dollars, FEMA expects about $9.0M a year in losses across Overland: $2.9M to buildings, the rest to people and crops.
Does Overland flood? Sometimes: 56 flood claims since 1978
Every paid claim on a federal flood insurance policy in Overland, from FEMA’s records: 8.4 per 1,000 homes, more than 71% of the 13,809 U.S. towns with a flood insurance record.
- The Midwest Flooding1 claim · $87K
Overland 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.9 federal disasters brought FEMA money to Overland
Disasters that paid out in Overland itself (aid to households or repair grants to the City of Overland), newest first, with that year’s flood claims.
- 2025Severe Storms, Straight-line Winds, Tornadoes, and Flooding10 households applied for aid$21K aid approved
- 2025Severe Storms, Straight-line Winds, Tornadoes, and Wildfires2 households applied for aid$300 aid approved
- 2022Severe Storms and Flooding64 households applied for aid$136K aid approved
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding6 households applied for aid$5K aid approved
- 2008Severe Storms, Flooding, and a Tornado35 households applied for aid$55K aid approved
- 2008Severe Storms and Flooding1 households applied for aid$181 aid approved
Show all 9
- 2007Severe Winter Storms and Flooding$38K to the City of Overland for repairs
- 2006Severe Winter Storms$48K to the City of Overland for repairs
- 2006Severe Storms$29K to the City of Overland 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 Overland after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Overland archive →Overland and its neighbors
Overland 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 |
|---|---|---|---|
| Olivette | B+less damage than 67% | river and rain flooding | 25 |
| Vinita Park | B+less damage than 66% | earthquakes | 2 |
| Overland | Bless damage than 56% | river and rain flooding | 56 |
| Charlack | B−more damage than 52% | earthquakes | — |
| Breckenridge Hills | C+more damage than 57% | river and rain flooding | 153 |
| St. John | Cmore damage than 66% | river and rain flooding | 12 |
| University City | C−more damage than 78% | river and rain flooding | 510 |
| Sycamore Hills | — | 672 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 Overland 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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.
- 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 Overland
Is Overland at risk for natural disasters?
On FEMA’s National Risk Index, Overland has lower expected damage per building than 56% of U.S. towns: B for hazard risk, #63 of 247 in Missouri. Most of the expected damage is river and rain flooding (46%) and earthquakes (34%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Overland flood?
Flood insurance has paid 56 claims in Overland since 1978, $207K in all, or 8.4 per 1,000 homes, more than 71% of U.S. towns with a flood insurance record. 7 properties have flooded more than once. The most claims came from Midwest Flooding (1).
Is Overland 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 Overland?
FEMA’s Community Rating System list shows no discount for Overland’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 Overland?
By FEMA money that reached Overland, Severe Storms and Flooding (2022): 64 households applied for aid, $136K approved. By flood claims, Midwest Flooding: 1 paid, $87K.
Is Overland at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (46%), and Overland’s rate for it is lower than 72% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Overland.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Overland’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.