Photo: Paul Sableman · CC BY 2.0More hazard damage per building is expected in Richmond Heights than in 72% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Richmond Heights gets a C for hazard risk: higher expected damage per building than 72% of U.S. towns, #167 of 247 in Missouri. Most of that expected damage is river and rain flooding (60%), then earthquakes (26%). Flood insurance has paid 10 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 Richmond Heights 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 Richmond Heights’ grade
River and rain flooding is 60% of the building damage FEMA expects in Richmond Heights, and Richmond Heights’ rate of river and rain flooding damage is higher than 64% of U.S. census tracts. Hail adds 9%, at a rate in the top 6% of U.S. census tracts.
C #167 of 247 in Missouri; higher expected damage per building than 72% of U.S. towns (21,298).
Richmond Heights’ 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, Richmond Heights has more expected damage per building than 67% of Missouri towns.
In dollars, FEMA expects about $8.4M a year in losses across Richmond Heights: $4.5M to buildings, the rest to people and crops.
Does Richmond Heights flood? Sometimes: 10 flood claims since 1978
Every paid claim on a federal flood insurance policy in Richmond Heights, from FEMA’s records: 2.2 per 1,000 homes, fewer than 59% of the 13,809 U.S. towns with a flood insurance record.
- The Late July Flooding1 claim · $16K
Richmond Heights 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.5 federal disasters brought FEMA money to Richmond Heights
Disasters that paid out in Richmond Heights itself (aid to households or repair grants to the City of Richmond Heights), newest first, with that year’s flood claims.
- 2025Severe Storms, Straight-line Winds, Tornadoes, and Flooding4 households applied for aid$291K to the City of Richmond Heights for repairs
- 2022Severe Storms and Flooding16 households applied for aid$49K aid approved3 flood claims paid that year
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding3 households applied for aid$1K aid approved
- 2006Severe Winter Storms$24K to the City of Richmond Heights for repairs
- 2006Severe Storms$24K to the City of Richmond Heights 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 Richmond Heights after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Richmond Heights archive →Richmond Heights and its neighbors
Richmond Heights is 2nd of the 6 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 |
|---|---|---|---|
| Clayton | B−less damage than 52% | river and rain flooding | 23 |
| Richmond Heights | Cmore damage than 72% | river and rain flooding | 10 |
| Ladue | C−more damage than 77% | river and rain flooding | 217 |
| Maplewood | C−more damage than 81% | river and rain flooding | 86 |
| Brentwood | C−more damage than 82% | river and rain flooding | 503 |
| 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 Richmond Heights 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 Richmond Heights
Is Richmond Heights at risk for natural disasters?
On FEMA’s National Risk Index, Richmond Heights has higher expected damage per building than 72% of U.S. towns: C for hazard risk, #167 of 247 in Missouri. Most of the expected damage is river and rain flooding (60%) and earthquakes (26%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Richmond Heights flood?
Flood insurance has paid 10 claims in Richmond Heights since 1978, $107K in all, or 2.2 per 1,000 homes, fewer than 59% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Late July Flooding (1).
Is Richmond Heights 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 Richmond Heights?
FEMA’s Community Rating System list shows no discount for Richmond Heights’ 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 Richmond Heights?
By FEMA money that reached Richmond Heights, Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2025): 4 households applied for aid, $0 approved, and $291K to the City of Richmond Heights for repairs. By flood claims, Late July Flooding: 1 paid, $16K.
Is Richmond Heights at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (60%), and Richmond Heights’ rate for it is higher than 64% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Richmond Heights.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Richmond Heights’ 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.