Lafayette County, Missouri: hazard risk
FEMA rates Lafayette County's overall risk Relatively Low (score 52.5 of 100, higher than 52% of rated U.S. counties). Its storm record holds 563 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Cold Wave | Relatively Moderate | 88.2 | $7.1M |
| Ice Storm | Relatively Moderate | 69.8 | $254K |
| Drought | Relatively Moderate | 68.0 | $536K |
| Tornado | Relatively Moderate | 66.2 | $2.6M |
| Strong Wind | Relatively Moderate | 55.4 | $748K |
| Heat Wave | Relatively Low | 75.5 | $1.4M |
| Landslide | Relatively Low | 71.7 | $8K |
| Hail | Relatively Low | 65.8 | $547K |
| Winter Weather | Relatively Low | 44.5 | $62K |
| Riverine Flooding | Relatively Low | 44.3 | $6.5M |
| Lightning | Relatively Low | 32.8 | $141K |
| Earthquake | Very Low | 46.2 | $265K |
| Wildfire | Very Low | 34.0 | $21K |
| Hurricane | Very Low | 16.9 | $5K |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 159 | 0 | $439K | 59th of 114 | 1587th of 3,080 |
| Hail | 157 | 0 | $476K | 60th of 114 | 885th of 3,080 |
| Floods | 108 | 0 | $4.3M | 41st of 114 | 462nd of 3,080 |
| Winter storms | 49 | 2 | $608K | 78th of 114 | 1831st of 3,077 |
| Tornadoes | 29 | 1 | $19M | 41st of 114 | 1127th of 3,080 |
| Drought | 27 | 0 | – | 47th of 114 | 1085th of 3,063 |
| Heat | 16 | 0 | – | 64th of 114 | 870th of 3,076 |
| Extreme cold | 11 | 1 | – | 45th of 114 | 1242nd of 3,076 |
| High wind and dust storms | 4 | 0 | $1K | 67th of 114 | 2582nd of 3,080 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Lafayette County record: every hazard by year and month, the deadliest events and FEMA's declarations.