HOWARD BEND
OperatingOil power plant
- Capacity
- 47 MW
- Primary fuel
- Oil
- County
- St. Louis County
- Operator
- UNION ELECTRIC CO - (MO)
- Status
- Operating
- EIA plant ID
- 2102
- Coordinates
- 38.6813, -90.5445
HOWARD BEND, a 47 MW Oil power plant in St. Louis County, Missouri. Operated by UNION ELECTRIC CO - (MO).
Weather peril exposure
HOWARD BEND is a 47 MW oil power plant in St. Louis County, MO, operated by UNION ELECTRIC CO - (MO). St. Louis County carries critical modeled catastrophe exposure in the FEMA National Risk Index, scoring 4.5 of 5 at the 87th national percentile. Earthquake is the leading peril, rated Relatively High by FEMA at the 91st percentile.
The Bywatts loss layer is calibrated to solar PV hardware, so it is not applied to an oil plant. The ratings below are the FEMA National Risk Index county hazard ratings for this location.
St. Louis County hazard ratings
| Peril | FEMA rating | National percentile | Peril score | Events per year |
|---|---|---|---|---|
| Earthquake | Relatively High | 91st | 4.6 of 5 | <0.01 |
| Hail | Very High | 90th | 4.6 of 5 | 5.3 |
| Ice storm | Very High | 67th | 3.7 of 5 | 1.4 |
| Riverine flooding | Relatively High | 59th | 3.4 of 5 | 2.8 |
| Winter weather | Very High | 59th | 3.3 of 5 | 8.7 |
| Lightning | Very High | 55th | 3.2 of 5 | 53.0 |
| Heat wave | Very High | 48th | 2.9 of 5 | 14.8 |
| Tornado | Relatively High | 36th | 2.4 of 5 | 0.41 |
| Wildfire | Very Low | 25th | 2.0 of 5 | <0.01 |
| Hurricane | Very Low | 7th | 1.3 of 5 | 0.01 |
| Strong wind | Relatively High | 1st | 1.0 of 5 | 5.9 |
Perils not assessed in St. Louis County
These perils carry no usable National Risk Index figure for this county, so they are excluded from the scoring rather than scored zero. A zero would claim the peril was assessed and found benign.
| Peril | Why it is not scored |
|---|---|
| Coastal flooding | FEMA rating is "Not Applicable" for this county |
Model hail, wind and flood exposure for St. Louis County in the weather risk calculator
Ratings are the FEMA National Risk Index county hazard ratings; the peril score is a Bywatts transform of the FEMA national percentile. Full data sources and the solar vulnerability methodology are in the weather risk calculator.
Modeled estimate for screening and negotiation. Built from FEMA National Risk Index county hazard data and a solar vulnerability layer documented above. Not a quote, a binder, or actuarial advice, and not a substitute for a carrier's own model. Hazard data: FEMA National Risk Index December 2025, synced 2026-07-24. Resolution is county level, not site level.