Guest, Sign inJoin

Post to St. Ann

We’ll email a one-tap link to publish your post. No password, and nothing is public until you click it.
Already a member? Sign in
St. Ann Entrance From St. Charles Rock Road East Bound - September 2022Photo: Eich2004 · CC BY-SA 4.0
C+Hazard risk
Natural hazards in St. Ann · FEMA

On FEMA’s figures, St. Ann faces more hazard damage per building than 65% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, St. Ann gets a C+ for hazard risk: higher expected damage per building than 65% of U.S. towns, #141 of 247 in Missouri. Most of that expected damage is river and rain flooding (66%), then earthquakes (20%). Flood insurance has paid 60 claims here since 1978.

River and rain flooding 66%Earthquakes 20%Hail 10%

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 65%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#141 of 247 in Missouri
Hazard risk
C+#141 of 247
in Missouri · higher than 65% of U.S. towns
Main hazard
River and rain flooding
66% of expected building damage
Flood claims
60
paid since 1978 · $682K
Flooded more than once
6
properties
Disasters paid out here
11
of 30 declared for St. Louis County
By hazard

What St. Ann 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

66%of expected building damage
Above average · higher than 64% of U.S. census tracts
Recorded about 3 times a year in the area

Earthquakes

20%of expected building damage
Well above average · higher than 82% of U.S. census tracts

Hail

10%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 44% of St. Ann’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 St. Ann’s grade

River and rain flooding is 66% of the building damage FEMA expects in St. Ann, and St. Ann’s rate of river and rain flooding damage is higher than 64% of U.S. census tracts. Hail adds 10%, at a rate in the top 6% of U.S. census tracts.

Where St. Ann sits
St. Ann
Least damageMiddleMost damage

C+ #141 of 247 in Missouri; higher expected damage per building than 65% of U.S. towns (21,298).

St. Ann’s residents live in 5 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding66%Earthquakes20%Hail10%Everything else5%

The typical Missouri town has higher expected damage than 59% of U.S. towns; within the state, St. Ann has more expected damage per building than 57% of Missouri towns.

In dollars, FEMA expects about $7.4M a year in losses across St. Ann: $2.9M to buildings, the rest to people and crops.

A small-area figure. St. Ann covers 5 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does St. Ann flood? Sometimes: 60 flood claims since 1978

Every paid claim on a federal flood insurance policy in St. Ann, from FEMA’s records: 9.8 per 1,000 homes, more than 74% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1978: 5 claims1979: 8 claims1980: 0 claims1981: 2 claims1982: 12 claims1983: 0 claims1984: 0 claims1985: 0 claims1986: 2 claims1987: 0 claims1988: 0 claims1989: 0 claims1990: 0 claims1991: 0 claims1992: 0 claims1993: 2 claims1994: 0 claims1995: 2 claims1996: 0 claims1997: 0 claims1998: 0 claims1999: 4 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 10 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 1 claim2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 12 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims198220082022
19782026
Biggest named events
  • The Late July Flooding10 claims · $421K
  • Hurricane Ike8 claims · $56K
  • The Midwest Flooding2 claims · $9K
60
paid claims since 1978
$682K
paid to owners
6
homes flooded more than once
$11K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (0)Flooded 2+ times
of homes in flood zones are insured
of all homes are insured
No community discount

St. Ann 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

11 federal disasters brought FEMA money to St. Ann

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

  1. 2025Severe Storms, Straight-line Winds, Tornadoes, and Flooding43 households applied for aid$112K aid approved
  2. 2025Severe Storms, Straight-line Winds, Tornadoes, and Wildfires17 households applied for aid$22K aid approved
  3. 2022Severe Storms and Flooding429 households applied for aid$1.0M aid approved$604K to the City of St. Ann for repairs12 flood claims paid that year
  4. 2017Severe Storms, Tornadoes, Straight-line Winds and Flooding2 households applied for aid$2K aid approved
  5. 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding20 households applied for aid$16K aid approved1 flood claim paid that year
  6. 2011Severe Storms, Tornadoes, and Flooding24 households applied for aid$8K aid approved$30K to the City of St. Ann for repairs
Show all 11
  1. 2008Severe Storms, Flooding, and a Tornado32 households applied for aid$53K aid approved10 flood claims paid that year
  2. 2007Severe Winter Storms and Flooding$104K to the City of St. Ann for repairs
  3. 2006Severe Winter Storms$53K to the City of St. Ann for repairs
  4. 2006Severe Storms$22K to the City of St. Ann for repairs
  5. 2003Severe Storms, Tornadoes, and Flooding1 households applied for aid$2K aid approved
Disasters declared, by decade
Paid out in St. AnnSt. 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 St. Ann after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the St. Ann archive →
Next door

St. Ann and its neighbors

St. Ann is 2nd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Bridgeton: hazard risk CBreckenridge Hills: hazard risk C+BridgetonBreckenridge HillsSt. Ann
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Breckenridge HillsC+more damage than 57%river and rain flooding153
St. AnnC+more damage than 65%river and rain flooding60
BridgetonCmore damage than 75%river and rain flooding24

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 St. Ann 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 St. Ann

Is St. Ann at risk for natural disasters?

On FEMA’s National Risk Index, St. Ann has higher expected damage per building than 65% of U.S. towns: C+ for hazard risk, #141 of 247 in Missouri. Most of the expected damage is river and rain flooding (66%) and earthquakes (20%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does St. Ann flood?

Flood insurance has paid 60 claims in St. Ann since 1978, $682K in all, or 9.8 per 1,000 homes, more than 74% of U.S. towns with a flood insurance record. 6 properties have flooded more than once. The most claims came from Late July Flooding (10).

Is St. Ann 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 St. Ann?

FEMA’s Community Rating System list shows no discount for St. Ann’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 St. Ann?

By FEMA money that reached St. Ann, Severe Storms and Flooding (2022): 429 households applied for aid, $1.0M approved, and $604K to the City of St. Ann for repairs. By flood claims, Late July Flooding: 10 paid, $421K.

Is St. Ann at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (66%), and St. Ann’s rate for it is higher than 64% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in St. Ann.

Town Square →
Start the conversation

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