Natural Disaster Risk — ZIP Code 63108
Saint Louis, Missouri
Risk Summary for ZIP 63108
ZIP 63108 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 63108, Missouri
ZIP 63108 covers part of the Saint Louis area, in the interior eastern United States. The surrounding region experiences hot summers, cold winters, and collision of multiple air masses, with year-round severe weather including tornadoes, ice storms, and floods shaping the natural hazards that residents of this ZIP code face. Risk scores here are derived from FEMA data for the encompassing county.
FEMA rates ZIP 63108's composite natural disaster risk at 5.9 out of 10 — moderate risk. The threat of riverine flooding is the primary driver of natural hazard risk here, with low-lying areas near waterways facing recurring inundation during major rain events. in their preparedness planning.
ZIP 63108's risk score, near the 5.9/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are . These scores reflect county-level data and represent the baseline risk that all communities in the county share.
ZIP 63108'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 63108: top hazard preparedness
- 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.
- Keep critical utilities and valuables elevated above potential flood levels, and know your nearest higher-ground evacuation route.
Risk for the surrounding area
Local Factors for ZIP 63108
These city-level factors differentiate ZIP 63108 from other communities in Missouri County and provide geographic context for its hazard exposure.
Population
21,336
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
38.6448° N, 90.2534° 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 63108
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.