St. Louis County, MO: Home-Insurance Distress & Forced-Sale Pressure
St. Louis County, MO: 69/100 (elevated) home-insurance distress; St. Louis, MO band MEDIUM; St. Louis, MO #654 of 3,222 counties; St. Louis, MO #8 of 115 in Missouri; raw St. Louis, MO 73.2.
FEMA hazard, St. Louis, MO: 52/100; St. Louis, MO declarations, three years: 6; St. Louis, MO perils: 6 severe-storm; St. Louis, MO five-year count 6 (severity 12.0); St. Louis, MO ten-year 6; hazard-weighted, St. Louis, MO: 6.0.
Declared incidents on the St. Louis, MO record: 2025 Severe Storm 6 (St. Louis, MO).
NFIP claims, St. Louis, MO, three years: 177; St. Louis, MO payouts $7,729,926; per St. Louis, MO claim $43,672; St. Louis, MO claim-stress 95/100.
St. Louis, MO monthly score fell, 77 (March 2026) to 74 (October 2026); St. Louis, MO by month: March 77, April 77, May 73, June 73 (St. Louis, MO), July 81, August 70, September 70, October 74.
St. Louis, MO components: climate 60, NFIP claims 95; St. Louis, MO retreat index 74.
Construction distress, St. Louis, MO: 53/100 as of August 2026 (St. Louis, MO: 61/100 one-to-four unit, 41/100 multifamily).
St. Louis, MO ZIPs, June 2026 (St. Louis, MO, 16 highest): score 0 (St. Louis, MO), climate 99 (St. Louis, MO): 63005, 63011, 63017, 63021, St. Louis, MO 63031, 63033, 63034, 63038, St. Louis, MO 63040, 63042, 63043, 63044, St. Louis, MO 63045, 63074, 63088, 63105.
DLRadar rescores St. Louis, MO monthly; St. Louis, MO readings join St. Louis, MO foreclosure, lien and ownership parcels (St. Louis, MO), so cost-squeezed St. Louis, MO owners surface before listing.
Inside Missouri, St. Louis County ranks 7th of 115 counties for home-insurance distress at 69/100; Butler County (70/100) sits just above St. Louis County, and Webster County (69/100) sits just below St. Louis County.
Deterministic. Every St. Louis County, MO signal traces to a public St. Louis dataset (FEMA, NFIP, Census for St. Louis, MO) · how insurance distress works in St. Louis, MO · methodology
FAQ: St. Louis County, MO insurance distress
What is the St. Louis County, MO home-insurance-distress score?
St. Louis, MO: 69/100 (MEDIUM), #654 of 3,222, #8 in Missouri. FEMA hazard, St. Louis, MO: 52/100; NFIP stress, St. Louis, MO: 95/100; construction, St. Louis, MO: 53/100; St. Louis, MO rescores monthly.
Is St. Louis County insurance distress getting better or worse (MO)?
St. Louis, MO: 77 in March 2026; St. Louis, MO: 74 in October 2026 (better); St. Louis, MO climate component 60; St. Louis, MO NFIP claims score 95.
How many flood-insurance claims has St. Louis County, MO had?
St. Louis, MO: 177 NFIP claims, three years; St. Louis, MO paid $7,729,926; per St. Louis, MO claim $43,672; carriers reprice St. Louis, MO against that record.
Which St. Louis County ZIP codes carry the most insurance distress (MO)?
St. Louis, MO, June 2026: 63005 at 0, 63011 at 0, 63017 at 0, 63021 at 0; St. Louis, MO climate scores there: 99, 99, 99, 99.
Why does St. Louis, MO insurance distress create sellers?
A St. Louis, MO premium outruns the St. Louis, MO budget; a carrier leaves St. Louis, MO; St. Louis, MO carrying cost passes plan; St. Louis, MO owners sell while current; St. Louis, MO insurance distress leads St. Louis, MO foreclosure data.