Short answer: St. Louis County is separate). The Missouri FAIR Plan provides residual property coverage for eligible risks.
This guide is general information for homeowners and drivers in the St. Louis area (St. Louis City). It isn't legal advice or a coverage determination. Your policy wording, underwriting, city and county ordinances, and state insurance and motor-vehicle rules control. Check your address on FEMA's National Risk Index (county report for St. Louis City) and the Flood Map Service Center.
Local hazards: FEMA National Risk Index for St. Louis City
Open FEMA's National Risk Index and the St. Louis City report. Louis County (29189)—use that report instead.
Federal disaster declarations in St. Louis City
FEMA's disaster declarations data shows 16 major disaster declarations that included St. Louis City since 1973, led by severe storm events (11), flood events (3) and severe ice storm events (1). The most recent: Severe Storms, Straight-Line Winds, Tornadoes, and Flooding, 2025, Severe Storms and Flooding, 2022, Severe Storms, Tornadoes, and Flooding, 2019 and Severe Storms, Tornadoes, Straight-Line Winds, and Flooding, 2016. FEMA also lists 7 emergency declarations for the county in the same data.
The July 2022 flash flood
Before dawn on July 26, 2022, rows of thunderstorms parked over the metro area. The National Weather Service in St. Louis recorded 8.64 inches at Lambert Airport that day, beating a daily record set in 1915. Part of the city and county was under a Flash Flood Emergency. Firefighters answered about 18 flooded homes with trapped people in the 2700 block of Hermitage Avenue in south city, and a man drowned in his car near Skinker Boulevard. Very little of that water came from the big rivers.
Know your zone, and the repair money still on offer
The Metropolitan St. Louis Sewer District's Know Your Zone map shows the FEMA flood risk zone for every property in St. Louis City and County. MSD stresses that overland flooding can reach homes with no stream nearby. The city has $6.8 million in federal disaster-recovery money for repairs from the July 2022 floods, with applications open through November 15, 2026. Homes in a Special Flood Hazard Area that receive the aid must carry and keep flood insurance.
Residual market: Missouri FAIR Plan
The Missouri FAIR Plan offers residual property coverage when standard insurers will not write an eligible property. Apply through a licensed Missouri producer.
More for St. Louis policyholders
Many city homes are older masonry construction; ask whether replacement cost reflects masonry rebuilding and code upgrades.
Auto: Missouri 25/50/25 plus UM
Missouri requires 25/50/25 liability and uninsured motorist bodily-injury coverage of $25,000/$50,000 (Missouri DOR).
Questions? Contact Alishahi Insurance or call (877) 711-4545. See insurance in Missouri.
Frequently asked questions
Does homeowners insurance cover earthquakes in St. Louis?
Not on standard forms—earthquake is a separate endorsement or policy.
What is the Missouri FAIR Plan?
The residual market for eligible property that cannot get standard coverage.
Does a St. Louis homeowners policy cover flood?
No; flood needs a separate policy.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.