States › Missouri › St. Charles County

St. Charles County, Missouri

Recorded hazard history: storm events since 1950, federal disaster declarations since 1953, flood insurance claims since 1978, and FEMA's risk index.

FIPS 29183 · 409,981 residents (2021) · 561 sq mi · dominant hazard Wind

Hail · 345Tornado · 43Flood · 62Wind · 383Winter · 59

St. Charles County within Missouri. Dots: HailTornadoFloodWind event locations in the kept record. Boundaries: US Census Bureau.

NCEI notes that Storm Data is compiled from a variety of sources including the National Weather Service, other federal, state and local agencies, the media and the public; that property and crop damage figures are estimates; and that some events are recorded by NWS forecast zone rather than by county. FEMA notes that NFIP claim records are redacted and aggregated to protect the privacy of policyholders. NCEI storm records through 30 Jun 2026; OpenFEMA declarations refreshed 1 Oct 2026; NFIP claims as of 8 Sep 2026.

St. Charles County, Missouri, has 995 weather events in the NCEI Storm Events record since 1950, most of them damaging wind.

That is 177.5 events per 100 square miles, above the Missouri figure of 106.7, and 24.3 per 10,000 residents against 118.9 statewide.

30 events fall in the 12 months to 30 Jun 2026. NCEI attributes 6 deaths and 176 injuries to events in the county, with property damage estimated at $357M and crop damage at $11M.

FEMA has designated the county in 28 federal disaster declarations since 1953; the most recent is Severe Storms And Flooding (major disaster, 8 Aug 2022).

National Flood Insurance Program policyholders in the county filed 9,999 claims since 1978, of which 8,814 were paid, totalling $156M (about $18K per paid claim). FEMA counts 1,076 residential flood policies in force.

FEMA's National Risk Index rates the county's overall risk as "Relatively Moderate" and its expected annual loss as "Relatively High" ($215M a year across 18 hazards).

1 tropical storm or hurricane track in the HURDAT2 record passed within 100 miles of the county's centre at tropical-storm strength or more, 0 of them within 50 miles at hurricane strength.

30events, last 12 monthsto 30 Jun 2026

995events since 19506 deaths, 176 injuries recorded

28disaster declarationslast 8 Aug 2022

9,999NFIP flood claims$156M paid

Compared with Missouri and the United States

Measure	St. Charles County	Missouri	US
Recorded events since 1950	995	73,339	1,977,440
Events per 100 square miles	177.5	106.7	56.0
Events per 10,000 residents	24.3	118.9	59.6
Events in the last 12 months	30	1,920	62,008
Deaths recorded by NCEI	6	1,009	26,435
Property damage (NCEI estimates)	$357M	$12B	$575B
NFIP claims per 1,000 residents	24.4	8.3	8.1
Average paid NFIP claim	$18K	$23K	$43K
Claims per 100 policies in force, last 10 years	73.9	51.0	16.1

County-recorded events plus zone-recorded events whose forecast zone is named for the county. State and US rows include events recorded only by forecast zone. Rates use 2021 Census population and land area.

Events by decade

Hail: 1Tornado: 8Wind: 2

Hail: 3Tornado: 4Wind: 2

Hail: 12Tornado: 1Wind: 10

Hail: 19Tornado: 5Wind: 30

Hail: 35Tornado: 3Flood: 3Wind: 56Winter: 13Heat: 6Lightning: 1

Hail: 101Tornado: 5Flood: 31Wind: 123Winter: 25Heat: 26Cold: 2Drought: 2Lightning: 2Other: 5

Hail: 101Tornado: 12Flood: 22Wind: 115Winter: 13Heat: 41Cold: 2Drought: 7Lightning: 3

Hail: 73Tornado: 5Flood: 6Wind: 45Winter: 8Heat: 5Cold: 1

111950s91960s231970s541980s1171990s3222000s3162010s1432020s

Recorded events in St. Charles County by decade and hazard group. HailTornadoFloodWindWinterHeatColdDroughtLightningOther NCEI recorded only tornadoes, hail and thunderstorm wind before 1996.

Trend: 556 events in the 20 years to 2025 against 335 in the 20 years before. Reporting practice changed in 1996 and again with automated reports in the 2000s, so decade totals measure the record as much as the weather.

Events by type

Wind383

Hail345

Heat78

Flood62

Winter59

Tornado43

Drought9

Lightning6

Cold5

Other5

Hazard	Events	Deaths	Share of state's events
■ Wind	383	1	1.8%	detail
■ Hail	345	—	1.7%	detail
■ Heat	78	2	2.1%
■ Flood	62	2	0.6%	detail
■ Winter	59	—	0.9%	detail
■ Tornado	43	1	1.4%	detail
■ Drought	9	—	0.4%
■ Lightning	6	—	2.1%
■ Cold	5	—	0.3%
■ Other	5	—	0.4%

Hazard pages exist for hail, tornado, flood, wind and winter where the county has at least 10 recorded events. "Other" covers heavy rain, debris flow, dust, funnel clouds and similar reports.

Largest recorded events

Date	Event type	Group	Magnitude	Property damage	Crop damage	Deaths	Injuries	Geography
3 May 2019	Flood	Flood	—	—	—	2	—	County
10 Dec 2021	Tornado	Tornado	EF3	$3.4M	—	1	2	County
10 Jul 1986	Thunderstorm Wind	Wind	0 mph	—	—	1	2	County
7 Jul 2001	Heat	Heat	—	—	—	1	—	Forecast zone
1 Jul 2012	Excessive Heat	Heat	—	—	—	1	—	Forecast zone
27 Nov 1990	Tornado	Tornado	F2	$25M	—	—	30	County
14 Oct 1966	Tornado	Tornado	F3	$2.5M	—	—	26	County
20 Jul 2004	Heat	Heat	—	—	—	—	20	Forecast zone
4 Jul 2018	Heat	Heat	—	—	—	—	20	Forecast zone
31 May 2013	Tornado	Tornado	EF3	$50M	—	—	8	County
15 Nov 1988	Tornado	Tornado	F3	$2.5M	—	—	10	County
18 Apr 1997	Thunderstorm Wind	Wind	63 mph	$100K	—	—	10	County
10 Apr 2001	Hail	Hail	2.00 in	$100M	—	—	—	County
3 Jul 2003	Heat	Heat	—	—	—	—	8	Forecast zone
24 Oct 1967	Tornado	Tornado	F2	$25K	—	—	5	County
10 Apr 2001	Hail	Hail	1.00 in	$50M	—	—	—	County
10 Apr 2001	Hail	Hail	1.50 in	$50M	—	—	—	County
26 Jul 2002	Heat	Heat	—	—	—	—	4	Forecast zone
9 Jul 2004	Heat	Heat	—	—	—	—	4	Forecast zone
1 May 1983	Tornado	Tornado	F2	$2.5M	—	—	3	County

Ranked by deaths, then injuries, then NCEI's damage estimate. Deaths and injuries are NCEI counts (direct plus indirect); no personal details are recorded here.

Federal disaster declarations

Declared	Number	Type	Incident	Title	Programs
8 Aug 2022	DR-4665	Major disaster	Flood	Severe Storms And Flooding	Individual assistance, Public assistance
26 Mar 2020	DR-4490	Major disaster	Biological	Covid-19 Pandemic	Individual assistance, Public assistance
13 Mar 2020	EM-3482	Emergency	Biological	Covid-19	Public assistance
9 Jul 2019	DR-4451	Major disaster	Severe Storm	Severe Storms, Tornadoes, And Flooding	Individual assistance, Public assistance
21 Jan 2016	DR-4250	Major disaster	Flood	Severe Storms, Tornadoes, Straight-Line Winds, And Flooding	Individual assistance, Public assistance
2 Jan 2016	EM-3374	Emergency	Flood	Severe Storms, Tornadoes, Straight-Line Winds, And Flooding	Public assistance
18 Jul 2013	DR-4130	Major disaster	Severe Storm	Severe Storms, Straight-Line Winds, Tornadoes, And Flooding	Public assistance
30 Jun 2011	EM-3325	Emergency	Flood	Flooding	Public assistance
3 Feb 2011	EM-3317	Emergency	Severe Storm	Severe Winter Storm	Public assistance
30 Jan 2009	EM-3303	Emergency	Severe Ice Storm	Severe Winter Storm	Public assistance
13 Nov 2008	DR-1809	Major disaster	Severe Storm	Severe Storms, Flooding, And A Tornado	Individual assistance
25 Jun 2008	DR-1773	Major disaster	Severe Storm	Severe Storms And Flooding	Individual assistance, Public assistance
19 Mar 2008	DR-1749	Major disaster	Severe Storm	Severe Storms And Flooding	Public assistance
12 Dec 2007	EM-3281	Emergency	Severe Ice Storm	Severe Winter Storms	Public assistance
15 Jan 2007	DR-1676	Major disaster	Severe Ice Storm	Severe Winter Storms And Flooding	Public assistance
21 Jul 2006	EM-3267	Emergency	Severe Storm	Severe Storms	Public assistance
10 Sep 2005	EM-3232	Emergency	Hurricane	Hurricane Katrina Evacuation	Public assistance
12 May 2000	DR-1328	Major disaster	Flood	Severe Thunderstorms And Flash Flooding	Individual assistance
2 Jun 1995	DR-1054	Major disaster	Severe Storm	Severe Storms, Tornadoes, Hail, Flooding	Individual assistance, Public assistance
21 Apr 1994	DR-1023	Major disaster	Severe Storm	Severe Storms, Tornadoes, Flooding	Individual assistance
9 Jul 1993	DR-995	Major disaster	Flood	Severe Storms & Flooding	Individual assistance, Public assistance
11 May 1993	DR-989	Major disaster	Flood	Severe Storms & Flooding	Individual assistance
14 Oct 1986	DR-779	Major disaster	Flood	Severe Storms & Flooding	Individual assistance, Public assistance
10 Dec 1982	DR-672	Major disaster	Flood	Severe Storms And Flooding	Individual assistance
21 Apr 1979	DR-579	Major disaster	Tornado	Tornadoes, Torrential Rain & Flooding	Individual assistance, Public assistance
24 Sep 1976	EM-3017	Emergency	Drought	Drought	Public assistance
19 Apr 1973	DR-372	Major disaster	Severe Storm	Heavy Rains, Tornadoes & Flooding	Individual assistance, Public assistance
14 Jun 1965	DR-198	Major disaster	Severe Storm	Flooding	Individual assistance, Public assistance

Declarations in which FEMA designated this county, from the OpenFEMA Disaster Declarations Summaries (v2). DR: major disaster; EM: emergency; FM: fire management assistance. Programs show whether individual or public assistance was made available.

Flood insurance claims

197820022026

NFIP claims by year of loss in St. Charles County, 1978 to 2026 (hover for the amount paid).

Claims since 19789,999

Paid claims8,814

Total paid$156M

Average paid claim$18K

Repetitive-loss properties596212 severe

Residential policies in force1,0760.8% of 139,208 structures

Year of loss	Claims	Paid claims	Amount paid	Average paid
2026	6	5	$219,561	$43,912
2025	2	2	$69,872	$34,936
2024	13	11	$329,385	$29,944
2023	2	1	$20,729	$20,729
2022	139	124	$4,759,685	$38,385
2021	13	11	$196,728	$17,884
2020	58	50	$840,313	$16,806
2019	474	426	$22,127,561	$51,943
2018	28	26	$597,087	$22,965
2017	60	51	$1,084,872	$21,272
2016	28	22	$477,333	$21,697
2015	269	233	$5,153,836	$22,119
2014	42	36	$832,202	$23,117
2013	224	200	$4,906,327	$24,532
2012	1	0	$0	—
2011	86	76	$3,139,577	$41,310
2010	70	62	$843,847	$13,610
2009	37	29	$399,482	$13,775
2008	442	398	$15,064,465	$37,850
2007	2	2	$11,785	$5,893
2006	2	0	$0	—
2005	2	1	$27,883	$27,883
2004	15	13	$68,318	$5,255
2003	7	6	$58,258	$9,710
2002	122	94	$1,131,437	$12,037

OpenFEMA NFIP claims (v3, as of 8 Sep 2026), aggregated by year of loss; amounts are building, contents and increased-cost-of-compliance payments as recorded. Repetitive-loss counts from the NFIP Multiple Loss Properties file (2 Aug 2026); policies in force from the NFIP Residential Penetration Rates file (3 Aug 2026).

National Risk Index

Overall riskRelatively Moderatescore 92.6 of 100

Expected annual loss$215MRelatively High

Social vulnerabilityVery Low

Community resilienceVery High

Hazard (NRI)	Risk rating	Expected annual loss
Inland flooding	Relatively High	$115,943,950
Tornado	Relatively High	$27,566,687
Earthquake	Relatively Moderate	$22,498,114
Cold wave	Relatively High	$15,166,183
Heat wave	Relatively Moderate	$11,650,427
Strong wind	Very High	$9,662,886
Hail	Relatively High	$9,296,207
Lightning	Relatively High	$2,020,661
Winter weather	Relatively High	$657,907
Ice storm	Relatively Moderate	$416,063
Landslide	Relatively Moderate	$143,665
Wildfire	Very Low	$134,953
Drought	Relatively Low	$56,087
Hurricane	Very Low	$13,128

FEMA National Risk Index, December 2025 release. Ratings are FEMA's relative comparison of counties; expected annual loss is FEMA's modelled estimate of average yearly building, population and agriculture loss. See how to read the NRI.

Hurricane and tropical storm passes

Tracks within 100 miles1

Tracks within 50 miles0

Hurricane strength within 50 miles0

Storm	Year	Closest approach	Max wind while within 100 mi
Ike	2008	83 mi	46 mph

HURDAT2 best-track positions at tropical-storm strength (34 kt) or more, measured from the county's Census centre point; through the 2025 season. Distance from a track is not the same as the extent of the storm's wind, rain or surge.

ZIP codes with flood claims

63301 5,261
63386 2,078
63373 1,113
63376 400
63303 364
63366 333
63304 134
63302 82
63367 14
63368 14
63385 13
63341 12
63372 8
63306 5

ZIP codes whose NFIP claims carry this county's code, with the number of claims. Five or more claims are needed for a ZIP page to be indexed.

Questions and answers

How often does it hail in St. Charles County, MO?

NCEI records 345 hail events in St. Charles County since 1950, in 52 different years; that is about 4.5 recorded events a year. 72 reports were golf-ball size (1.75 in) or larger.

Has St. Charles County had a tornado?

Yes. NCEI records 43 tornadoes in St. Charles County since 1950, 14 of them rated (E)F2 or stronger. Tornado deaths recorded: 1.

When was the last federal disaster declaration for St. Charles County?

8 Aug 2022: Severe Storms And Flooding, a major disaster declaration for flood. The county appears in 28 declarations since 1953.

How many flood insurance claims have been filed in St. Charles County, and how much was paid?

9,999 NFIP claims since 1978, 8,814 of them paid, for $156M in total. FEMA publishes these figures redacted and aggregated; individual properties are not identified.

Is St. Charles County in the National Risk Index's high-risk band?

FEMA's National Risk Index (December 2025) rates the county "Relatively Moderate" for overall risk, "Relatively High" for expected annual loss, "Very Low" for social vulnerability and "Very High" for community resilience. These ratings are FEMA's relative comparison across all US counties.

How does St. Charles County compare with the rest of Missouri?

177.5 recorded events per 100 square miles against 106.7 statewide, and 24.4 NFIP claims per 1,000 residents against 8.3. The comparison table on this page shows each measure beside the state and national figures.

Provenance

Storm events: NOAA NCEI Storm Events Database, yearly details files through 30 Jun 2026 (public domain). Declarations: OpenFEMA DisasterDeclarationsSummaries v2, refreshed 1 Oct 2026. Flood claims: OpenFEMA NfipClaims v3 as of 8 Sep 2026; NfipMultipleLossProperties v1 (2 Aug 2026); NfipResidentialPenetrationRates v1 (3 Aug 2026). Risk index: FEMA National Risk Index, December 2025. Hurricane tracks: NHC HURDAT2 through 2025. Population and area: US Census Bureau, 2021 vintage. Built 1 Oct 2026; see the methodology and corrections pages. Hazard hubs: Hail · Tornado · Flood · Wind · Winter.