Natural Disaster Risk — ZIP Code 63104
Saint Louis, Missouri
Risk Summary for ZIP 63104
ZIP 63104 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 63104, Missouri
ZIP 63104 in Saint Louis sits in the interior eastern United States. Its humid continental climate produces hot summers, cold winters, and collision of multiple air masses, and notably year-round severe weather including tornadoes, ice storms, and floods. These conditions define the natural disaster environment for households across this ZIP code.
According to FEMA's National Risk Index, ZIP 63104 carries an overall risk score of 5.9/10, placing it in the moderate category. Riverine flooding drives much of the local risk, with heavy or sustained rainfall capable of rapidly elevating streams and rivers that run through the area.
Within Missouri, ZIP 63104'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 Missouri identifies as the foremost hazard. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
ZIP 63104's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that exposure is adequately protected is a worthwhile step for property owners.
What this means for ZIP 63104: top hazard preparedness
- 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.
- Consider National Flood Insurance Program (NFIP) coverage; there is typically a 30-day waiting period before it takes effect.
Risk for the surrounding area
Local Factors for ZIP 63104
These city-level factors differentiate ZIP 63104 from other communities in Missouri County and provide geographic context for its hazard exposure.
Population
19,007
SuburbanGeographic 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
38.6108° N, 90.2128° 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 63104
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.