Natural disaster risk in Missouri

How disaster-prone is Missouri?

Missouri (MO) sits at a low level of federally recognized natural-disaster risk, with 11 FEMA disaster declarations on record — including 11 Major Disaster declarations (DR) that triggered full federal individual and public assistance. The dominant declaration type is Severe Storm, followed by Flood (1). Declaration counts at the state level reflect the cumulative federal footprint: large multi-county events count once per state, but repeat hazard patterns across decades are visible in the breakdown below.

NOAA's Storm Events Database adds the near-term severe-weather lens. Between 2015 and 2025, Missouri recorded 25,709 individual storm events, causing 220 fatalities and 2,079 injuries, with combined property and crop damage estimated at $4.8B. The most frequent event types in the state are Thunderstorm Wind (7,277 events), Hail (4,904 events), Flash Flood (2,644 events). Across the state's 80 analyzed counties, FEMA's National Risk Index flags 2 as high-risk, with an average county composite risk score of 52.8/100.

NFIP claims data is limited or absent for this state in the current extract, which usually indicates low flood-policy penetration rather than zero flood risk. The highest-Expected-Annual-Loss hazard across the state is Heat Wave, estimated at $0.6B annually. Drill into individual counties for localized risk, read FEMA's hazard-specific briefings, and review insurance and flood-zone designations — state-level averages can mask sharp county-to-county differences in exposure and resilience.