Photo: LittleT889 · CC BY-SA 4.0On FEMA’s figures, Weldon Spring faces more hazard damage per building than 70% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Weldon Spring gets a C for hazard risk: higher expected damage per building than 70% of U.S. towns, #164 of 247 in Missouri. Most of that expected damage is river and rain flooding (74%). Flood insurance has paid 1 claim here since 2015.
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 Weldon Spring 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
Tornadoes
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 Weldon Spring’s grade
River and rain flooding is 74% of the building damage FEMA expects in Weldon Spring, and Weldon Spring’s rate of river and rain flooding damage is higher than 76% of U.S. census tracts. Next is earthquakes at 9% (higher than 78% of U.S. census tracts).
C #164 of 247 in Missouri; higher expected damage per building than 70% of U.S. towns (21,298).
Weldon Spring’s 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, Weldon Spring has more expected damage per building than 66% of Missouri towns.
In dollars, FEMA expects about $3.4M a year in losses across Weldon Spring: $2.6M to buildings, the rest to people and crops.
Does Weldon Spring flood? Rarely: 1 flood claim since 2015
Every paid claim on a federal flood insurance policy in Weldon Spring, from FEMA’s records: 0.5 per 1,000 homes, fewer than 91% of the 13,809 U.S. towns with a flood insurance record.
Weldon Spring 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. Charles County.2 federal disasters brought FEMA money to Weldon Spring
Disasters that paid out in Weldon Spring itself (aid to households or repair grants to the City of Weldon Spring), newest first, with that year’s flood claims.
- 2022Severe Storms and Flooding3 households applied for aid$2K aid approved
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding1 households applied for aid$1K aid approved1 flood claim paid that year
St. Charles County has had 24 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 Weldon Spring after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Weldon Spring archive →Weldon Spring and its neighbors
Weldon Spring is 2nd of the 4 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 |
| Weldon Spring | Cmore damage than 70% | river and rain flooding | 1 |
| St. Peters | Cmore damage than 75% | river and rain flooding | 98 |
| O'Fallon | C−more damage than 81% | river and rain flooding | 45 |
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 Weldon Spring 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.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- 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 Weldon Spring
Is Weldon Spring at risk for natural disasters?
On FEMA’s National Risk Index, Weldon Spring has higher expected damage per building than 70% of U.S. towns: C for hazard risk, #164 of 247 in Missouri. Most of the expected damage is river and rain flooding (74%) and earthquakes (9%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Weldon Spring flood?
Flood insurance has paid 1 claim in Weldon Spring since 2015, $7K in all, or 0.5 per 1,000 homes, fewer than 91% of U.S. towns with a flood insurance record.
Is Weldon Spring 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. Charles County, 35% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.
How much is flood insurance in Weldon Spring?
FEMA’s Community Rating System list shows no discount for Weldon Spring’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 Weldon Spring?
By FEMA money that reached Weldon Spring, Severe Storms and Flooding (2022): 3 households applied for aid, $2K approved.
Is Weldon Spring at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (74%), and Weldon Spring’s rate for it is higher than 76% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Weldon Spring.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Weldon Spring’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.