FEMA rates relative hail risk for St. Charles County as relatively high and reports FEMA annualized frequency of 5.634 per year for the area.
FEMA summary
FEMA's profile for St. Charles County reports FEMA annualized frequency of 5.634 per year for hail. FEMA's relative risk rating for the area is relatively high; the annualized frequency is a separate measure.
Hazard metrics cover FEMA county-equivalent geographies rather than individual addresses or parcels. Use local or state hazard maps before making a property, insurance, retrofit, or evacuation decision.
Select a hazard to inspect FEMA's figures for St. Charles County.
Hail
FEMA combines its area-wide loss estimate and community data in this relative rating. Event frequency appears separately below.
Relative FEMA score
99.4/100
Occurrence thresholds vary by hazard. The FEMA methodology defines the value for each hazard.
The area loss estimate combines FEMA's modeled losses to buildings, population, and agriculture across St. Charles County. It is not an estimate for a home or address.
City risk summary
For O'Fallon, FEMA rates hail risk for St. Charles County as relatively high, with a relative score of 99.4/100. The next highest relative scores are heat wave at 98.2/100 and ice storm at 98.2/100.
Using FEMA data for St. Charles County, O'Fallon is #1 among 8 covered Missouri entries for hail risk. St. Louis is about 27 straight-line miles from the O'Fallon map point; its FEMA figures cover the City of St. Louis.
For homeowners and movers
Preparedness actions
Living in O'Fallon? Learn how to handle water storage, sanitation, and security in a small space.
The map shows O'Fallon. All FEMA figures on this page cover St. Charles County.
The FEMA figures cover St. Charles County. Address-level conditions require local maps, building records, and property details.
FEMA rates relative hail risk for St. Charles County as relatively high. Its FEMA annualized frequency is 5.634 per year. Damage at a specific address also depends on the building, soil, elevation, and exact hazard zone.
Among 8 Missouri cities covered by this directory, O'Fallon is #1 for relative hail risk based on FEMA's score for St. Charles County. Homes within O'Fallon can have different soil, elevation, construction, and hazard-zone conditions.
In FEMA's data for St. Charles County, the highest relative ratings are Hail (Relatively High), Heat Wave (Relatively High), and Ice Storm (Very High). FEMA uses estimated losses and community data along with event frequency when assigning these ratings.
The hazard numbers cover St. Charles County. For an individual home, check local fault, flood, fire, evacuation, and building records for the exact address.
FEMA gives St. Charles County an overall relative risk rating of relatively moderate. Conditions at a specific home depend on its hazard zones, building type, maintenance, insurance, and access to evacuation routes and emergency services.
Start with this step: Confirm the exact hazard using official local maps before making property or insurance decisions. Know how local officials issue warnings and evacuation instructions. Use Ready.gov Be Informed and local emergency guidance for a complete plan.
Distances are measured between city coordinates.
| City | Distance | Hail rating | Relative score |
|---|---|---|---|
| St. Louis, MO | 27 mi | Relatively Low | 79.0 |
| Columbia, MO | 87 mi | Relatively Moderate | 86.6 |
| Springfield, IL | 89 mi | Relatively Moderate | 94.2 |
Limited to products tagged for hail or general preparedness.
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View productHazard metrics come from FEMA National Risk Index v1.19.0 (March 2023). City population and coordinates come from SimpleMaps US Cities Database. For current conditions, use official local maps, warnings, inspections, and professional advice.