Climate Risk Summary
St. Louis, MO Risk Profile
The primary drivers of climate-related financial risk in St. Louis, MO are Heat Wave, Inland Flooding, and Earthquake. This area also faces an unusually high intensity for Tornado compared to national averages.
City-Wide Aggregation
These scores represent the population-weighted average across all residential blocks in St. Louis.
Primary Risks
Heat Wave
Expected Annual Loss for St. Louis
Very High compared to US average
Inland Flooding
Expected Annual Loss for St. Louis
Very High compared to US average
Earthquake
Expected Annual Loss for St. Louis
Very High compared to US average
City Boundary
Financial Risk Inventory
Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.
Heat Wave Mitigation
Ensure attic insulation is R-49+ and consider a dual-fuel backup generator for AC.
Inland Flooding Mitigation
Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.
Earthquake Mitigation
General property maintenance and insurance review recommended.
Tornado Mitigation
Reinforce garage doors and consider a FEMA-approved safe room or storm cellar.
Cold Wave Mitigation
General property maintenance and insurance review recommended.
Strong Wind Mitigation
Trim large trees back from the roofline and reinforce roof-to-wall connectors (hurricane straps).
Hail Mitigation
Replace roof with Class 4 impact-resistant shingles to significantly lower insurance premiums.
Sources and Methodology
Spatial Aggregation
Our "Atlas" risk scores are derived using a population-weighted spatial join. Because US Zip Codes and Census Tracts do not share perfectly aligned boundaries, a simple geographic average would be misleading. We utilize US Census Block Group population statistics to identify where residents actually live within a Zip Code. We then intersect these points with FEMA National Risk Index (NRI) hazard data to calculate a weighted exposure score.
Financial Projections (EAL)
Expected Annual Loss (EAL) estimates the average economic impact of natural hazards in dollars per year. This calculation incorporates three components: Exposure (the value of structures and agriculture), Annualized Frequency (historical probability), and Historic Loss Ratio (vulnerability of the area).
Primary Data Sources
- FEMA National Risk IndexHazard frequency and loss data (v1.20.0)
- U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population