Natural Disaster Risk — ZIP Code 63103
Saint Louis, Missouri
Risk Summary for ZIP 63103
ZIP 63103 scores 5.9/10 (Moderate risk), above the U.S. average of 4.5.
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: ZIP 63103, Missouri
Located in the interior eastern United States, ZIP 63103 serves the Saint Louis community. The humid continental climate of this part of Missouri — bringing hot summers, cold winters, and collision of multiple air masses — directly shapes the hazard exposure for properties in this postal area.
ZIP 63103's overall natural disaster risk is rated 5.9/10 (Moderate) by FEMA's National Risk Index. Flood risk from local rivers and streams is the foremost natural hazard concern, amplified by the region's topography and periodic intense precipitation events.
Relative to other U.S. communities, ZIP 63103's natural disaster risk is above the U.S. national average of 4.5/10, near the 5.9/10 state average. The hazard distribution here is led by , as measured by FEMA across Missouri. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a moderate risk rating, ZIP 63103 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 is recommended.
What this means for ZIP 63103: top hazard preparedness
- Consider National Flood Insurance Program (NFIP) coverage; there is typically a 30-day waiting period before it takes effect.
- Keep critical utilities and valuables elevated above potential flood levels, and know your nearest higher-ground evacuation route.
- Check whether your property sits in a FEMA-designated Special Flood Hazard Area — standard homeowners policies do not cover flood damage.
Risk for the surrounding area
Local Factors for ZIP 63103
These city-level factors differentiate ZIP 63103 from other communities in Missouri County and provide geographic context for its hazard exposure.
Population
8,778
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 38.6°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 0.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 0.0/10
Coordinates
38.6299° N, 90.2170° W
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for ZIP 63103
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
Nearby ZIP codes
Other cities in Missouri
Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1–10 across all US counties. This information is for general awareness only — consult official emergency management resources and a licensed insurer for property-specific advice.