Risk Index · St. Louis County · 2026-06-13
St. Louis, MO real-estate risk
- Risk score
- 98.7/100
- Relatively High
- Expected annual loss
- $359M
- all hazards, county-wide
- Buildings-only loss
- $139M
- what owners and insurers carry
- Population
- 301K
- St. Louis County
St. Louis, MO (St. Louis County) carries a FEMA National Risk Index score of 98.7/100, rated "Relatively High" and driven mainly by heat wave and tornado, with roughly $359M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Heat wave99.8
- Tornado98.9
- Earthquake98.5
- Riverine flood97
- Strong wind94.5
- Hail87.1
- Hurricane32.1
- Wildfire3
Each score is the county's percentile against every US county for that hazard (0-100).
What it means for insurance
Severe convective storms (tornado/hail) drive the insurance cost here. Wind/hail deductibles and roof age are what underwriters price, and what's been pushing Midwest/Plains premiums up.
St. Louis risk questions
Is St. Louis, MO a high-risk area for real estate?
St. Louis scores 98.7/100 on FEMA's National Risk Index, rated "Relatively High" versus all US counties. Its expected natural-hazard loss is about $359M per year.
What is the biggest natural hazard in St. Louis?
The highest-rated hazard is heat wave (99.8/100), followed by tornado (98.9/100).
How does hazard risk affect property insurance in St. Louis?
Severe convective storms (tornado/hail) drive the insurance cost here. Wind/hail deductibles and roof age are what underwriters price, and what's been pushing Midwest/Plains premiums up.
Source: FEMA National Risk Index (Counties), v1.20 (2026-06-13). Scores are national percentiles (0-100). Insurance commentary is PropHunt's interpretation of the hazard data, not an insurance quote.