Expected losses in St. Mary break down as 48% from inland flooding and 21% from heat waves. Compared with 84% of U.S. communities, expected storm and flood damage locally is higher. Since 1979, St. Mary has seen 101 flood insurance claims paid out.

84risk score of 100

FEMA risk score

Inland floodingHeat wavesEarthquakes

101

paid flood claims since 1979

federal disasters paid out here

Full pageSt. Mary’s hazards pageOpen the page

What it facesVery high risk Flood claims101 paid flood claims · Since 1979 Past disasters6 federal disasters · Paid out in St. Mary Get ready0.7 events a year, on average · Ready for inland flooding

FEMA flood insurance claims · FEMA National Risk Index · OpenFEMA

Work & commute

With 0.2 jobs for every working resident, most of St. Mary’s workers commute out

25% of St. Mary residents live below the poverty line. Just 1% of the town’s working residents have a job in town. The town had 39 jobs in 2023, down 56 from 2013. Its mean commuting time stands at 28 minutes.

1%work in town

	St. Mary	Missouri towns	U.S. towns
Below the poverty line	25%	14%	9.6%
Average trip to work	28 minutes	22 minutes	25 minutes
Working residents who work in town	1.3%	13%	8%

Where working residents work

In St. Mary1%

Ste. Genevieve19%

Farmington10%

Perryville7%

Cape Girardeau5%

27 mi

median commute distance

jobs based in St. Mary

A commuter town

jobs vs. working residents

Full pageSt. Mary’s work & commute pageOpen the page

The jobs here39 jobs based here · A commuter town Where people work1% work in St. Mary Commute times28 minutes · The average commute How far they goHalf commute less than 27 miles

Census LEHD 2023 · ACS

Climate

Four seasons and hot summers: that is St. Mary’s year

St. Mary’s typical July afternoon high stands at 89°F, close to Missouri’s towns (88°F) and above U.S. towns (85°F).

12″snow a winter

Typical low → high °F

Winter26–44°

Spring45–67°

Summer66–87°

Fall46–69°

Oct 30

typical first frost

Apr 8

typical last frost

+0.8°

vs. the 20th-century average

Full pageSt. Mary’s climate pageOpen the page

A year of weatherJuly highs 89°, January lows 24°Rain & snow12″ of snow a winter · 44 inches of rain and snow a year Heating & coolingMostly a heating bill Then and now+0.8° vs. the 20th century · Warmer than the 20th-century average

NOAA U.S. Climate Normals, 1991–2020

Health

How healthy St. Mary is

31% of adults get no exercise outside work in St. Mary, against 30% in Missouri’s towns and 25% across U.S. towns. The share of adults in St. Mary who have high blood pressure: 41%.

	St. Mary	Missouri towns	U.S. towns
High blood pressure (CDC PLACES)	41%	37%	35%
Frequent physical distress (CDC PLACES)	16%	15%	14%
Get no exercise (CDC PLACES)	31%	30%	25%
Smoke cigarettes (CDC PLACES)	18%	17%	14%

32 measures vs. Missouri

0 better28 too close to call4 worse

What stands out	St. Mary	MO
More adults with heart disease	8.3%	6.8%
More adults who have had cancer	10.2%	8.6%
More adults with arthritis	33.6%	28.8%

Memorial Hospital

8.1 mi away · emergency room

3 of 3

care shortages: primary care, dental, mental health

Full pageSt. Mary’s health reportOpen the page

Everyday habitsMore smokers Hospitals & doctors nearby8.1 miles to an ER · Memorial Hospital How adults are doingMore adults in frequent physical distress Every CDC estimateBetter than MO on 0 of 32

CDC PLACES 2025 · modeled estimates for adults · CMS · HRSA

Housing

A typical St. Mary home is worth about $270K

For St. Mary, the typical rent is $775 a month. In the year to September 2026, typical home values climbed 9.5%. Two thirds of households own their home here.

$270KZillow home value