St. Louis, MO Flood Zone Map
Last updated: August 2026
St. Louis sits near the confluence of the Mississippi and Missouri rivers and faces major riverine flood risk. The city's floodwall protects downtown, but surrounding communities in the floodplain remain highly vulnerable.
St. Louis County has recorded 739 NFIP flood insurance claims since 1978, totaling $10.1M in payouts. Explore the full NFIP claims data by state and county to see how this area compares nationally.
FEMA Region
Region 7
NFIP Policies
286
St. Louis County
Avg. Premium
$2,570/yr
St. Louis County
NFIP Flood Insurance Claims: St. Louis County
Properties in St. Louis County have filed 739 NFIP flood insurance claims totaling $10.1M in payouts since 1978. The average claim payout is $14K.
Highest-Claim Years
1993
280 claims - $4.1M
1979
116 claims - $449K
1982
57 claims - $262K
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced August 2026. See national claims data.
Flood Insurance Coverage: St. Louis County
Only roughly 1 in 417 households in St. Louis County carries NFIP flood insurance (0.2% of estimated households). With 37 recorded flood events and $85.8M in damage, most flood losses in this county are likely uninsured.
Penetration Rate
0.2%
roughly 1 in 417 households
Historical Claims Ratio
1 in 1
739 claims over 45+ years across 286 current policies
Avg. Claim Payout
$13,698
Per claim, county-wide since 1978
Historically, St. Louis County has averaged 2.6 claims for every active policy (since 1978). This compares cumulative claims against today's policy count and does not predict future claim likelihood.
Coverage data: NFIP policies as of August 2026, claims since 1978 (August 2026), population from FEMA NRI. All figures are county-wide and include St. Louis.
Not sure whether you're required to carry it? See do I need flood insurance?, or compare NFIP vs. private flood insurance.
Repetitive Loss Properties: St. Louis County
St. Louis County has 23 properties with multiple flood insurance losses, including 3 severe repetitive loss properties. 2 properties have received FEMA mitigation funding. Severe repetitive loss is a subset of multiple loss, not a separate count. Data sourced August 2026.
Multiple Loss
23
2+ claims within 10 years
Severe Repetitive Loss
3
4+ claims or 2 exceeding value
Mitigated
2
Received FEMA mitigation
By Flood Zone
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced August 2026.
Federal Flood Disaster History: St. Louis County
St. Louis County has been included in 6 federal flood-related disaster declarations.
...and 1 earlier declaration since 1993.
These declarations affected communities across St. Louis County, including St. Louis.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced August 2026.
Recorded Flood Events: St. Louis (c) County
NOAA has recorded 37 flood events in St. Louis (c) County since 1996, causing $85.8M in damage and 1 death.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced August 2026.
Flood Mitigation: St. Louis County
FEMA has funded mitigation for 946 properties in St. Louis County, investing $28.6M in flood risk reduction. Common mitigation actions include acquisition (buying and demolishing flood-prone structures), elevation (raising buildings above flood level), and safe rooms (wind/storm shelters for tornado and hurricane protection).
By Action Type
Source: OpenFEMA Hazard Mitigation Assistance. Data sourced August 2026. FEMA records a total payment per grant rather than per property, so the dollar figure is an estimate that splits each grant across the properties it covers; the property count is exact.
Levee Protection: St. Louis
The USACE National Levee Database lists 1 levee system protecting parts of St. Louis. A system's FEMA accreditation status determines how its protected area is mapped: accredited levees are typically mapped as Zone X, while non-accredited or provisionally accredited systems generally leave their protected area in the Special Flood Hazard Area (often Zone AR or A99) until certification is complete.
St. Louis Flood Protection Project System
Provisionally AccreditedProtects against: Mississippi River - Sponsor: St. Louis City Street Dept. / Metropolitan St. Louis Sewer District - 4.58 sq mi protected
Source: USACE National Levee Database. Data sourced August 2026. Learn how levees affect flood zone mapping.
FEMA Flood Risk Profile: St. Louis County
Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.
Inland Flood Risk
Relatively HighEst. annual loss: $90.9M
Hurricane Risk
Very LowEst. annual loss: $13K
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
What Your Flood Zone Means in St. Louis
St. Louis faces flood risk primarily from river and stream overflow during heavy rainfall, snowmelt, or upstream dam releases. When rivers exceed their banks, floodwaters spread across low-lying areas mapped in AE and A zones. The most common FEMA flood zone designations in St. Louis are Zone AE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $90.9M.
Riverine flood risk in St. Louis is driven by the proximity and elevation of properties relative to nearby waterways. Properties closer to rivers with lower ground elevations typically face higher flood insurance premiums under FEMA's Risk Rating 2.0. If your property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance.
River flood maps can change when FEMA conducts new Flood Insurance Studies or when development alters drainage patterns. Letters of Map Amendment (LOMA) can remove individual properties if the natural ground elevation was always above the Base Flood Elevation and the property was inadvertently mapped in the SFHA. Use our free lookup tool to check the current flood zone for any St. Louis address.
St. Louis, MO Flood Zone FAQ
What flood zones are in St. Louis, MO?
The most common FEMA flood zones in St. Louis are Zone AE, Zone X. Properties in these high-risk zones (SFHA) may require flood insurance with a federally regulated or government-backed mortgage.
Is flood insurance required in St. Louis?
If your St. Louis property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not federally required to carry flood insurance, though coverage is still recommended since about a quarter of all NFIP flood claims come from properties outside high-risk zones.
How do I check my flood zone in St. Louis?
Enter your St. Louis address in the search tool above for an instant flood zone determination. Results include your FEMA flood zone, SFHA status, base flood elevation (if available), and FIRM panel information, pulled directly from FEMA's National Flood Hazard Layer.
How high is flood risk in St. Louis?
According to FEMA's National Risk Index, St. Louis County (where St. Louis is located) has a "Relatively High" rating for inland flood risk. The estimated annual flood loss for the county is $90.9M. This county-level assessment considers historical flood losses, social vulnerability, and community resilience.
Has St. Louis experienced major flooding events?
St. Louis County, where St. Louis is located, has been part of 6 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Severe Storms and Flooding in 2022. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in St. Louis?
St. Louis County has recorded 739 NFIP flood insurance claims totaling $10.1M in payouts since 1978. The year with the most claims was 1993, with 280 claims and $4.1M in payouts. These figures cover all NFIP claims in the county, including St. Louis.
How many flood insurance policies are there in St. Louis?
St. Louis County had 286 NFIP flood insurance policies written or renewed over the trailing 13 months, with an average annual premium of $2,570. The most policies are in Zone X (193 policies). These are county-level counts of policies written or renewed in the trailing 13 months, not a point-in-time count of policies in force - a policy renewed inside that window is counted twice.
How many St. Louis properties have flooded repeatedly?
St. Louis County has 23 properties with multiple flood losses on record, including 3 severe repetitive loss properties. These are properties that have experienced four or more NFIP claims of $5,000+ or two claims exceeding the building value.
Is St. Louis protected by a levee?
Yes. The USACE National Levee Database lists 1 levee system protecting parts of St. Louis (St. Louis Flood Protection Project System). None currently carry full FEMA accreditation, which typically keeps the protected area within the Special Flood Hazard Area (often Zone AR or A99) until the levee is certified. Levee protection is system-specific, not city-wide - check the address search above for the zone at a specific property.
Can my St. Louis property be removed from a high-risk flood zone?
Yes, if your property's natural ground elevation is above the Base Flood Elevation and FEMA inadvertently mapped it in a high-risk zone, you can apply for a Letter of Map Amendment (LOMA). A successful LOMA removes the property from the Special Flood Hazard Area, generally eliminating the federal mandatory flood insurance requirement. You will need an elevation certificate from a licensed surveyor. If a property was raised above the BFE with fill material, the process is a LOMR-F rather than a LOMA.
What is Base Flood Elevation in St. Louis?
Base Flood Elevation (BFE) is the predicted height of floodwaters during a 1% annual chance (100-year) flood, shown on FEMA maps as an elevation number in feet above sea level. In St. Louis's Zone AE areas, BFE lines appear on the FIRM as wavy contours labeled with elevation values. Properties with a lowest floor at or above the BFE typically qualify for significantly lower NFIP flood insurance premiums.
Other Missouri Cities
Understanding Flood Zones
See the Flood Map for Any St. Louis, MO Address
Enter a St. Louis, MO address to view its FEMA flood map, zone designation, SFHA status, and insurance requirements.
Disclaimer: Flood risk data on this page is sourced from FEMA datasets including the National Risk Index, NFIP claims and policy records, disaster declarations, and the Community Rating System. These datasets were last extracted on August 2026 and may not reflect the most recent changes. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.