Enter any address in St. Charles County, Missouri to see its FEMA flood zone
Flash flooding from heavy rainfall events is the primary flood hazard in St. Charles County. Over the last 30 years, NOAA data shows 40 flash flood events and 21 general flood events, which have resulted in two fatalities. Recent examples include widespread road closures due to heavy rainfall in April 2025 and multiple water rescues following 3 to 7 inches of rain in August 2020.
National Flood Insurance Program (NFIP) data indicates that properties in Zone A have experienced the highest number of claims, with an average payout of $15,495 for water depths of 5.4 feet. However, properties in Zone X, which includes both shaded and unshaded areas, have seen higher average payouts ($20,120 and $8,697 respectively) with significant water depths. Homeowners in Zone A and those in Zone X areas should pay particular attention to their flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
11 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
St. Charles County, Missouri has recorded 61 flood-related events since 1996 according to NOAA's Storm Events Database, including 40 flash floods and 21 river or area floods. The county has received 28 federal disaster declarations, 9 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1965–2022)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Storms And Flooding | Flood | Jul 25, 2022 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms, Tornadoes, And Flooding | Severe Storm | Apr 29, 2019 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Flood | Dec 23, 2015 |
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Severe Storm | May 29, 2013 |
| Flooding | Flood | Jun 1, 2011 |
| Severe Winter Storm | Severe Storm | Jan 31, 2011 |
| Severe Winter Storm | Severe Ice Storm | Jan 26, 2009 |
| Severe Storms, Flooding, And A Tornado | Severe Storm | Sep 11, 2008 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Jun 4, 2025 | 50.00K |
| Flash Flood | Apr 4, 2025 | 0.00K |
| Flash Flood | Jul 26, 2022 | 10.00M |
| Flash Flood | Jun 22, 2020 | 0.00K |
| Flash Flood | Aug 8, 2020 | 0.00K |
| Flash Flood | Aug 26, 2019 | 0.00K |
| Flash Flood | Jul 10, 2019 | 100.00K |
| Flash Flood | May 6, 2019 | 1.00M |
| Flood | May 3, 2019 | 0.00K (2 deaths) |
| Flood | Jun 2, 2019 | 0.00K |
Flash Flood — Jun 4, 2025
A loose band of showers and thunderstorms developed ahead of a cold front during the afternoon of June 4th. This band caused flash flooding in St. Charles County and a tornado in St. Louis County.
Flash Flood — Apr 4, 2025
A stationary front over southern Missouri along with ample mid-level forcing, moisture, and efficient rain processes resulted in flooding across portions of east-central and southeast Missouri. Numerous roads across the St. Louis metropolitan area were impassable due to the heavy rainfall.
Flash Flood — Jul 26, 2022
During the early morning of Tuesday, July 26th, 2022, a complex of training thunderstorms set up roughly along the I-70 corridor in Missouri and I-64 corridor in Illinois. Several rounds of thunderstorms with rainfall rates exceeding 2in/hr affected this area, including the St. Louis metropolitan area, through the early hours of July 26th and into the morning commute. Upwards of 11 of rain fell...
Flash Flood — Jun 22, 2020
Showers and storms developed ahead of a cold front. Some of the storms produced very heavy rainfall that caused flash flooding.
Flash Flood — Aug 8, 2020
A high precipitation and flash flooding event occurred over east central Missouri and southwest Illinois beginning during the evening of August 8th, and ending during the early afternoon of August 9th. Rainfall amounts of 3 to 6 inches with as much as 7 inches were reported, primarily in the St. Louis Metropolitan Area. There were numerous road closures, and at least 13 water rescues. There w...
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in St. Charles County, 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 St. Charles County, Missouri that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.