Natural Disaster Risk in Saint Mary
Missouri
Risk Summary for Saint Mary
Saint Mary scores 5.9/10 (Moderate 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
Average risk — standard coverage usually sufficient
This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Saint Mary, Missouri
Saint Mary, in Ste. Genevieve County, is a small community of about 2,340 situated in the interior eastern United States. Its humid continental climate brings hot summers, cold winters, and collision of multiple air masses, and in particular year-round severe weather including tornadoes, ice storms, and floods. These conditions collectively define the natural hazard environment that Saint Mary residents and property owners must navigate.
Saint Mary's overall natural disaster risk is rated 5.9/10 (Moderate) by FEMA's National Risk Index. 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. Secondary hazards include earthquake and landslide.
Within Missouri, Saint Mary's risk is, near the 5.9/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Ste. Genevieve County identifies heat as the foremost hazard, followed by earthquake and landslide. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a moderate risk rating, Saint Mary residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for heat is recommended.
What this means for Saint Mary: Extreme Heat preparedness
- Stay hydrated and limit outdoor activity during the hottest hours when heat advisories are issued.
- 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.
Local Factors for Saint Mary
These city-level factors differentiate Saint Mary from other communities in Ste. Genevieve County and provide geographic context for its hazard exposure.
Population
2,340
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 37.8°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 4.4/10
Coordinates
37.8364° N, 89.9886° W
Ste. Genevieve 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 Mary
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Saint Mary
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.