St. Charles, MO
St. Charles County in Missouri has 10 FEMA disaster declarations on record covering 1982–2022, most recently Severe Storms and Flooding on Aug 8, 2022 (DR-4665). Its flood risk grade is A (Low risk), ranking #228 of 3,277 U.S. counties, with 158 NFIP flood insurance claims totaling $4,759,782 in payouts. Flood risk is relatively low compared to the national average.
FEMA Disaster Declarations in St. Charles County
The 10 most recent federally declared disasters affecting St. Charles County, MO (1982–2022). Total declarations on record: 10.
| Declared | Incident Type | Title | FEMA Disaster # |
|---|---|---|---|
| Aug 8, 2022 | Flood | Severe Storms and Flooding | DR-4665 |
| Jan 21, 2016 | Flood | Severe Storms, Tornadoes, Straight-Line Winds, and Flooding | DR-4250 |
| Jan 2, 2016 | Flood | Severe Storms, Tornadoes, Straight-Line Winds, and Flooding | DR-3374 |
| Jun 30, 2011 | Flood | Flooding | DR-3325 |
| Sep 10, 2005 | Hurricane | Hurricane Katrina Evacuation | DR-3232 |
| May 12, 2000 | Flood | Severe Thunderstorms and Flash Flooding | DR-1328 |
| Jul 9, 1993 | Flood | Severe Storms & Flooding | DR-995 |
| May 11, 1993 | Flood | Severe Storms & Flooding | DR-989 |
| Oct 14, 1986 | Flood | Severe Storms & Flooding | DR-779 |
| Dec 10, 1982 | Flood | Severe Storms and Flooding | DR-672 |
Score Breakdown
The composite score of 19 is calculated from four weighted factors. See our methodology for details.
Other Counties in Missouri
| County | Grade | Score | Claims | Disasters |
|---|---|---|---|---|
| Buchanan | A | 20 | 20 | 10 |
| Platte | A | 14 | 9 | 11 |
| St. Louis | A | 13 | 251 | 11 |
| Andrew | A | 13 | 7 | 10 |
| Atchison | A | 12 | 2 | 9 |
| Carroll | A | 12 | 6 | 8 |
More Counties in Missouri
Frequently Asked Questions
How many FEMA disaster declarations does St. Charles County, MO have?
St. Charles County, MO has 10 federal disaster declarations on FEMA record (1982–2022). The 5 most recent are: Severe Storms and Flooding (declared Aug 8, 2022, DR-4665); Severe Storms, Tornadoes, Straight-Line Winds, and Flooding (declared Jan 21, 2016, DR-4250); Severe Storms, Tornadoes, Straight-Line Winds, and Flooding (declared Jan 2, 2016, DR-3374); Flooding (declared Jun 30, 2011, DR-3325); Hurricane Katrina Evacuation (declared Sep 10, 2005, DR-3232). Counts include flood, severe storm, hurricane, and coastal storm declarations from the OpenFEMA DisasterDeclarationsSummaries dataset.
What is the flood risk grade for St. Charles County, MO?
St. Charles County is graded A (composite score 19/100, low risk). It ranks #228 of 3,277 U.S. counties for flood risk in our scoring model. The grade combines NFIP claims density (40%), disaster frequency (25%), claim severity (20%), and year-over-year trend (15%).
How many NFIP flood insurance claims have been filed in St. Charles County?
158 NFIP flood insurance claims have been filed in St. Charles County, MO, totaling $4,759,782 in payouts. The average claim is $30,125. Source: FEMA FimaNfipClaims v2 dataset.
Has St. Charles County, MO had any recent flood disasters?
Yes. The most recent FEMA declaration affecting St. Charles County was Severe Storms and Flooding on Aug 8, 2022 (DR-4665). The county has 10 declared disasters in the OpenFEMA record covering 1982–2022.
For this entity, the underlying data on this page comes from FEMA OpenFEMA datasets including the National Flood Hazard Layer and NFIP claims. The breakdown above is the federal record; the paragraphs below add the per-entity context that makes the headline numbers usable for a real decision rather than just a data lookup.
The methodology behind every numeric value on this page is publicly documented on the FEMA OpenFEMA datasets including the National Flood Hazard Layer and NFIP claims portal and described in detail on this site’s methodology page. Refresh cadence varies by underlying series; the page surfaces the as-of date for each number so readers can trace any figure back to the source release.
Practical use of this page is in combination with the comparison and ranking pages elsewhere on the site, which surface the same data for this entity’s peers within U.S. ZIPs, counties, and states. A single-entity reading without peer context can be misleading when an entity is an outlier on one axis but typical on another.
Source: FEMA OpenFEMA datasets, 2026.