Photo: LittleT889 · CC BY-SA 4.0On FEMA’s figures, Town and Country faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Town and Country gets a B− for hazard risk: higher expected damage per building than 51% of U.S. towns, #94 of 247 in Missouri. Most of that expected damage is river and rain flooding (57%), then earthquakes (25%). Flood insurance has paid 13 claims here since 1980.
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 Town and Country 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 Town and Country’s grade
River and rain flooding is 57% of the building damage FEMA expects in Town and Country, and Town and Country’s rate of river and rain flooding damage is lower than 54% of U.S. census tracts. Hail adds 13%, at a rate in the top 6% of U.S. census tracts.
B− #94 of 247 in Missouri; higher expected damage per building than 51% of U.S. towns (21,298).
Town and Country’s residents live in 9 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, Town and Country has less expected damage per building than 62% of Missouri towns.
In dollars, FEMA expects about $12.4M a year in losses across Town and Country: $7.9M to buildings, the rest to people and crops.
Does Town and Country flood? Sometimes: 13 flood claims since 1980
Every paid claim on a federal flood insurance policy in Town and Country, from FEMA’s records: 3.1 per 1,000 homes, fewer than 51% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Ike1 claim · $43K
Town and Country 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.2 federal disasters brought FEMA money to Town and Country
Disasters that paid out in Town and Country itself (aid to households or repair grants to the City of Town and Country), newest first, with that year’s flood claims.
- 2007Severe Winter Storms and Flooding$140K to the City of Town and Country for repairs
- 2006Severe Winter Storms$16K to the City of Town and Country 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 Town and Country after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Town and Country archive →Town and Country and its neighbors
Town and Country 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 |
|---|---|---|---|
| Chesterfield | B−less damage than 53% | river and rain flooding | 48 |
| Town and Country | B−more damage than 51% | river and rain flooding | 13 |
| Creve Coeur | C+more damage than 60% | river and rain flooding | 15 |
| Ballwin | C+more damage than 62% | river and rain flooding | 38 |
| Des Peres | C+more damage than 63% | river and rain flooding | 24 |
| Frontenac | Cmore damage than 68% | river and rain flooding | 37 |
| Westwood | — | 338 residents; we grade 1,000+ | |
| Crystal Lake Park | — | 553 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 Town and Country 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 Town and Country
Is Town and Country at risk for natural disasters?
On FEMA’s National Risk Index, Town and Country has higher expected damage per building than 51% of U.S. towns: B− for hazard risk, #94 of 247 in Missouri. Most of the expected damage is river and rain flooding (57%) and earthquakes (25%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Town and Country flood?
Flood insurance has paid 13 claims in Town and Country since 1980, $279K in all, or 3.1 per 1,000 homes, fewer than 51% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Hurricane Ike (1).
Is Town and Country 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 Town and Country?
FEMA’s Community Rating System list shows no discount for Town and Country’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 Town and Country?
By FEMA money that reached Town and Country, Severe Winter Storms and Flooding (2007): $140K to the City of Town and Country for repairs. By flood claims, Hurricane Ike: 1 paid, $43K.
Is Town and Country at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (57%), and Town and Country’s rate for it is lower than 54% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Town and Country.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Town and Country’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.