Enter any address in Lake St. Louis, Missouri to see its FEMA flood zone
Lake St. Louis has a population of 16,707 residents. Like many communities in Missouri, properties in Lake St. Louis may be located in various FEMA flood zones ranging from high-risk Special Flood Hazard Areas to low-risk zones.
Use the address lookup above to check the specific flood zone for any property in Lake St. Louis. Results come directly from FEMA's National Flood Hazard Layer (NFHL).
Statewide data from OpenFEMA. City-level breakdowns coming soon.
FEMA assigns flood zone designations to areas in Lake St. Louis, Missouri:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Lake St. Louis that are in FEMA Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
The average NFIP premium in Missouri is approximately $805 per year.
Even in low-risk zones, flood insurance is recommended — from 2014 to 2024, nearly one-third of NFIP claims came from outside high-risk areas. Visit FloodSmart.gov for quotes.