A powerful EF-3 tornado struck St. Louis on May 16, 2025, leaving widespread destruction and exposing a critical issue: a significant number of uninsured homes and properties. The Missouri Department of Commerce and Insurance (DCI) estimates that up to 67% of homeowners and 90% of renters in heavily impacted areas like zip codes 63115, 63107, and 63113 may lack insurance, complicating recovery for thousands.
Extent of Uninsured Properties
The tornado damaged around 5,000 homes and buildings, with losses estimated at $1 billion. North St. Louis neighborhoods, including Gravois Park and Old North Saint Louis, face the highest uninsured rates, per a St. Louis Post-Dispatch analysis of 2023 U.S. Census data. Wealthier areas like Clayton (63105) and Richmond Heights (63117) report lower uninsured rates, highlighting disparities in coverage.
Barriers for Uninsured Residents
Uninsured homeowners and renters face significant challenges. Without insurance, many depend on FEMA aid, which awaits Missouri’s disaster declaration approval. Governor Mike Kehoe requested $5 million for debris cleanup, but Mayor Cara Spencer has criticized FEMA’s delayed response. North St. Louis, already economically vulnerable, is hit hardest, with over 70% of homeowners potentially uninsured.
Government and Community Action
Efforts to address the crisis are underway. Senator Josh Hawley is pushing for expedited federal disaster declarations to unlock FEMA support. Locally, St. Louis paused tax foreclosure home sales, and the Missouri National Guard is aiding debris removal. The St. Louis Tornado Response Fund, partnered with the St. Louis Community Foundation, is mobilizing resources for affected residents.
Resources for Affected Residents
Uninsured residents can seek help through FEMA’s website for updates on federal aid or contact the St. Louis Tornado Response Fund. Insured residents should file claims promptly, as advised by the DCI. Staying informed via local news like FOX 2 News or the City of St. Louis website is crucial.
Importance of Insurance Coverage
This disaster highlights the critical need for homeowners and renters insurance. Missouri’s high uninsured rates, especially in low-income areas, call for increased awareness and access to affordable coverage. Experts recommend annual policy reviews to ensure protection against natural disasters.
