Understanding the St. Louis Flood Map: Protecting Your Property with Flood Insurance

Understanding the St Louis Flood Map

St Louis flood map

The city of St. Louis, Missouri, is no stranger to floods. Located along the Mississippi River, the city is vulnerable to flooding from heavy rainfall and snowmelt. Over the years, numerous floods have devastated the city, causing significant damage to homes, businesses, and infrastructure.

To address the risk of flooding, the Federal Emergency Management Agency (FEMA) and the city of St. Louis have created a flood map. The map outlines the areas that are most vulnerable to flooding, allowing residents, businesses, and municipal authorities to take precautions to reduce the risk of flood damage.

The St. Louis flood map is a comprehensive tool that provides a wealth of information on flood risk in the region. It shows the areas that are most likely to flood, the level of flood risk in each area, and the impact that flooding could have on homes and businesses. The map also offers guidance on the kinds of measures that people can take to protect themselves and their property from flood damage.

The St. Louis flood map is divided into different zones, depending on the level of flood risk in each area. The zones are color-coded to indicate the risk level. Areas that are at high risk of flooding are shaded in red, while areas that are at low risk are shaded in blue. The map also provides information on the floodplain boundaries, which show the extent of the areas that are likely to flood during a major flooding event.

The St. Louis flood map is an essential tool for anyone who lives or works in the area. It provides valuable information that can help people make informed decisions about their property, such as whether to purchase flood insurance or to take preventive measures to protect their property from flood damage. The map can also help local authorities plan for and respond to potential flooding emergencies.

One of the key features of the St. Louis flood map is the interactive online tool. This tool allows users to enter their address or location and view the flood risk of their area. They can also access detailed information about the potential impact of flooding on their property, such as the depth of water that would be present during a flooding event, the likelihood of structural damage, and the potential cost of flood insurance.

Another important aspect of the St. Louis flood map is that it is regularly updated to reflect changes in the flood risk in the region. As new data becomes available, the map is revised to ensure that it remains an accurate and reliable tool for assessing flood risk in the area.

In summary, the St. Louis flood map is a comprehensive and valuable tool that provides residents, businesses, and local authorities with the information they need to prepare for and mitigate the risk of flooding in the region. Whether you are a homeowner, a business owner, or a municipal planner, the flood map can help you make informed decisions that can protect your property and your community from the devastating impact of flood damage.

Areas at Risk for Flooding in St Louis

Areas at Risk for Flooding in St Louis

St. Louis, Missouri, is a city that has experienced numerous flooding events over the years. From heavy rainfall to overflowing rivers, there are a few areas in St. Louis that are particularly vulnerable to flooding. In this article, we will discuss the top areas at risk of flooding in St. Louis.

The River des Peres Watershed

The River des Peres Watershed

The River des Peres is a river that flows through the city of St. Louis. The river is known for flooding, and the areas around it are at high risk of flooding. The neighborhoods surrounding it are mainly located in the south and southwest regions of the city.

The River des Peres comes from the French word ‘Peres,’ which means ‘fathers.’ The river was named after the Jesuit priests who founded St. Louis. The River des Peres Watershed stretches over 51.7 square miles, making it one of the largest watersheds in the city. The River des Peres is home to several parks, including Carondelet Park, which is one of the largest parks in the city.

During a heavy rainfall or a severe thunderstorm, the River des Peres can rise quickly, leading to flash floods in the surrounding areas. The neighborhoods around the river are prone to flooding, including the Bevo Mill neighborhood, River Des Peres neighborhood, and Ellendale neighborhood.

The Meramec River Basin

The Meramec River Basin

The Meramec River is a significant tributary of the Mississippi River. It flows through the eastern part of Missouri, and it is known for its periodic flooding. The Meramec River Basin covers over 4,000 square miles, and it is home to several small communities.

In St. Louis, the Meramec River Basin covers the southern part of the city. The neighborhoods surrounding the Meramec River are at high risk of flooding, including Oakville neighborhood, Mehlville neighborhood, and Green Park neighborhood.

The Meramec River is more prone to flooding than other rivers in the area due to its slow-moving water and its location. When heavy rainfalls, the river can rise quickly and cause flooding in the nearby areas. The Meramec River is notorious for causing significant damage to properties and homes located in its floodplain.

The Mississippi River

The Mississippi River

The Mississippi River is the largest river in North America, and it flows through ten states, including Missouri. The Mississippi River is known for its significant flood events, and it has caused severe damage to the communities located along its banks over the years.

In St. Louis, the Mississippi River is located in the east part of the city. The neighborhoods located around the Mississippi River are at high risk of flooding during heavy rainfall or severe thunderstorms. The floodplain of the Mississippi River is extensive, and it can easily flood nearby towns and communities.

The Mississippi River is more prone to flooding due to its large drainage area, slow-moving water, and it’s susceptible to ice dams during the winter months. The neighborhoods surrounding the Mississippi River in St. Louis that are at high risk of flooding include Soulard neighborhood, Carondelet neighborhood, and Dutchtown neighborhood.


St. Louis has its fair share of flooding events, and it is essential for the locals to know the areas at high risk of flooding to prevent severe damage to their properties and homes. The areas mentioned in this article are the most vulnerable areas in St. Louis, and residents in these areas must be cautious during heavy rainfall or severe thunderstorms and be prepared to evacuate if necessary.

How to Prepare for Flooding in St Louis

St Louis Flood Map

Flooding is a common occurrence in St Louis. With the city being surrounded by the Mississippi River, Missouri River, and numerous streams and creeks, it is important for residents to be prepared. If you are living in a flood-prone area, it is essential to take proactive steps to keep your family safe and minimize damage to your property. This guide will provide tips to help you prepare for a flood in St Louis.

1. Know Your Flood Risk

Flood Risk Map

The very first step to take when preparing for a flood is to know your risk level. Check the St Louis Flood Map to see if you live in a flood zone. FEMA’s Flood Map Service Center also offers interactive maps that allow you the ability to locate floodways, flood zones, and determine how the water is likely to flow in different scenarios. Knowing how high your property sits in relation to the nearest creek, stream, or river will help you determine the level of risk to your property. Do not underestimate the risk; be prepared even if you live in a low-risk zone. Keep in mind that heavy rainfall, snowmelt, and unexpected events may cause floods even in areas that are considered low risk.

2. Create an Emergency Plan

Emergency Plan

Having an emergency plan can save your life during a flood. Discuss with your family the risks, establish a turning point, and agree on a technique to communicate during an emergency. Keep in mind the current health threat from contagious diseases such as coronavirus and ensure that your emergency plan provides for your family’s safety in relation to the current risks. You should also make sure that your emergency kit is complete. Include enough food, water, medications, and other necessities to keep your family supplied for several days, both at home or if you have to evacuate. Don’t forget to include batteries, flashlights, and a hand-cranked radio in your kit. Discuss with your family what they need to do if they have to evacuate. Create and keep copies of essential documents like insurance policies and medical records in a waterproof container.

3. Take Steps to Protect Your Home

Flood Prevention

To mitigate damage from flooding, you can make changes to your structure, both permanent and temporary. Perhaps you can add flood-proof seals to your doors and windows or lay sandbags where water is likely to enter. You can also hire a contractor to modify your home to better resist floodwater or elevate your home’s foundation. Always ensure that the modifications comply with local building codes and regulations. Also, check your sump pump to ensure it is functional. Check your property’s drains and gutters. Keep them free of debris and make necessary repairs to ensure they properly channel water away from your home. You may also consider purchasing flood insurance as a way to protect yourself from financial losses if flood water enters your home. Remember that standard homeowners’ insurance policies do not cover flood damage.


Flooding is an unfortunate but common occurrence in St Louis. The key is to be prepared. Knowing your risk level, creating an emergency plan, and taking steps to protect your home are key components to ensuring that your family is safe and that you can recover quickly after a flood. By taking these steps, you can minimize the damage to your property and keep you and your loved ones safe when a flood occurs.

Insurance Coverage for St Louis Flooding

Insurance Coverage for St Louis Flooding

St Louis, like most parts of the United States, is susceptible to flooding. Typically, standard homeowner’s insurance policies exclude coverage for flood damage. Therefore, if your home is at risk of flooding, you need to purchase flood insurance to safeguard your investment. Flood insurance is offered by the National Flood Insurance Program (NFIP) and by private insurance companies. The NFIP aims to reduce the impact of flooding on private and public properties. It is a federal program that operates under the supervision of the Federal Emergency Management Agency (FEMA).

Flood insurance is mandatory in St Louis and other communities located in high-risk flood areas. If you have taken out a mortgage on your property, your lender will likely require you to have flood insurance. The high-risk flood areas are places that have a 1% or greater chance of flooding in any given year and are referred to as Special Flood Hazard Areas.

The cost of flood insurance premiums depends on different factors such as the location of your property, flood risk, and the amount of coverage required. The premium for flood insurance in low-to-moderate-risk areas is usually lower than in high-risk areas. However, it is still a good idea to take out flood insurance even if you live in an area that is considered to be low-risk.

Basic flood insurance policies provide coverage for the structure of your home and its foundation, electrical and plumbing systems, central air conditioning equipment, furnaces, and water heaters. They also provide coverage for some of your personal belongings such as clothing, furniture, and electronic equipment. However, flood insurance policies usually exclude coverage for outdoor property such as decks, hot tubs, and fences, as well as damage caused by mold and mildew.

It is crucial to understand the details of your flood insurance policy to ensure proper coverage. For example, if you live in a high-risk area and have a mortgage from a federally regulated or insured lender, you are required to carry flood insurance. Yet, the standard NFIP policy may not provide enough coverage to rebuild your home if it is severely damaged or destroyed by a flood.

Additionally, it is worth noting that flood insurance policies have a 30-day waiting period before coverage takes effect. Therefore, if you are planning on purchasing flood insurance, consider doing so well before the flood season begins.

Finally, if you have suffered damage from a flood, you should contact your insurance agent to file a claim as soon as possible. Your agent will provide you with the necessary forms and guidance to submit your claim to the insurance company. Submitting a claim as soon as possible will enable the insurance company to investigate promptly and start the recovery process quickly.

In conclusion, flood insurance should be a vital aspect of your financial planning if you live in an area that is at risk of flooding. You need to understand the details of your flood insurance policy and be prepared in the event of a flood to protect your home and personal belongings. Contact your insurance agent and keep your policy close at hand to protect yourself against the financial consequences of a flood.

Steps to Take After Flooding in St Louis

Steps to Take After Flooding in St Louis

When a disaster strikes, it can be a devastating experience. Floods are one of the most common disasters that homeowners experience in St Louis. When a flood happens, you should take some essential steps to ensure that your safety and that of your family is guaranteed, and your property is protected. Here are some steps to take after flooding in St Louis.

1. First, ensure your safety

The most important thing you should do after experiencing a flood is to ensure that you and your family are safe. Ensure that you put on protective gear such as rubber boots, heavy-duty gloves, and a face mask, especially if you suspect that mold has grown in your house. Avoid touching any electrical appliances or outlets that may have come into contact with water.

If you need to evacuate your home, do not attempt to return without first getting the clearance from the authorities.

2. Notify Your Insurance Provider

The second most important step to take after a flood is to notify your insurance provider. Call your insurance agent to inform them of the damage immediately. Do not wait for too long before you file a claim as this may lead to unnecessary delays or denial of your claim.

3. Document the Damage

Before cleaning up, make sure to document all the damage caused by the flood. Take photos and videos of any damaged property and make a list of all the damaged items. You can do this with the help of your insurance adjuster to ensure that you do not leave out anything. This information will be essential to help your insurance company accurately determine the extent of damage and how much they are liable to pay to cover the losses.

4. Remove the Water and Dry the Affected Areas

Once the floodwater has receded, the next step is to remove any remaining water and dry the affected areas as soon as possible. Use pumps, wet vacs, and other equipment to drain excess water from your home. After that, use fans, air conditioners, and dehumidifiers to dry out all the areas where water has penetrated. If the extent of the damage is severe, it’s advisable to seek professional help to ensure that everything is done correctly.

5. Clean Up and Disinfect

flood cleanup

After removing water and drying the affected areas, the next step is to clean up and disinfect all surfaces in your home. Wear protective gear such as gloves and a face mask to avoid contamination. Discard all the items that are beyond repair or damaged to avoid the growth of mold or contamination. Disinfect every surface using household bleach diluted in water. You can also hire a professional cleaning company if the damage is severe.


Flooding poses a significant risk to the safety of your home, personal property, and possibly your life. However, with the right steps, you can protect your property and ensure your safety. It is essential to take the steps mentioned above to mitigate losses and ensure that your home and family are safe after experiencing a flood. Remember to always stay vigilant and prepared for any emergencies.

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