Natural Disaster Risk in Saint Albans
Missouri
Risk Summary for Saint Albans
Saint Albans scores 7.1/10 (High risk), above the U.S. average of 4.5. The leading hazard is Extreme Heat.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — check your policy limits
Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Saint Albans, Missouri
Saint Albans is a small community of about 803 in Franklin County, in the interior eastern United States. The area experiences hot summers, cold winters, and collision of multiple air masses, with year-round severe weather including tornadoes, ice storms, and floods shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Saint Albans.
FEMA rates Saint Albans's composite natural disaster risk at 7.1 out of 10 — high risk. The threat of extreme heat dominates the local risk profile, with the area experiencing heat waves that drive heat-related illness and place significant demand on energy infrastructure. Residents should also account for wind and earthquake risk in their preparedness planning.
Saint Albans's risk score, slightly above the 5.9/10 state average and well above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Franklin County, the highest-scoring are heat, wind, and earthquake. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
Saint Albans's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.
What this means for Saint Albans: Extreme Heat preparedness
- Ensure reliable air conditioning and identify nearby cooling centers for extreme heat days.
- Check on elderly neighbors and never leave children or pets in parked vehicles.
- Stay hydrated and limit outdoor activity during the hottest hours when heat advisories are issued.
Local Factors for Saint Albans
These city-level factors differentiate Saint Albans from other communities in Franklin County and provide geographic context for its hazard exposure.
Population
803
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 38.6°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 7.1/10
Coordinates
38.5837° N, 90.7693° W
Franklin County
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for Saint Albans
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Saint Albans
Other cities in Missouri
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.