Mercer County, Missouri: hazard risk
FEMA rates Mercer County's overall risk Very Low (score 12.3 of 100, higher than 12% of rated U.S. counties). Its storm record holds 287 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 |
|---|---|---|---|
| Drought | Relatively Moderate | 77.4 | $587K |
| Landslide | Relatively Low | 79.0 | $11K |
| Heat Wave | Relatively Low | 46.3 | $230K |
| Tornado | Relatively Low | 44.0 | $755K |
| Hail | Relatively Low | 42.5 | $145K |
| Cold Wave | Relatively Low | 34.8 | $389K |
| Strong Wind | Relatively Low | 20.5 | $138K |
| Wildfire | Very Low | 48.3 | $32K |
| Riverine Flooding | Very Low | 17.9 | $1.6M |
| Earthquake | Very Low | 17.2 | $16K |
| Winter Weather | Very Low | 17.1 | $11K |
| Hurricane | Very Low | 11.4 | $2K |
| Lightning | Very Low | 9.4 | $23K |
| Ice Storm | Very Low | 9.1 | $3K |
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. |
|---|---|---|---|---|---|
| Hail | 89 | 0 | $49K | 75th of 114 | 1097th of 3,080 |
| Severe thunderstorm wind | 67 | 0 | $86K | 99th of 114 | 2200th of 3,080 |
| Winter storms | 53 | 0 | $933K | 29th of 114 | 1322nd of 3,077 |
| Drought | 17 | 0 | – | 51st of 114 | 1185th of 3,063 |
| Tornadoes | 17 | 0 | $3.5M | 55th of 114 | 1383rd of 3,080 |
| Heat | 14 | 0 | – | 56th of 114 | 758th of 3,076 |
| Floods | 13 | 0 | – | 110th of 114 | 2210th of 3,080 |
| Extreme cold | 12 | 0 | – | 17th of 114 | 917th of 3,076 |
| High wind and dust storms | 2 | 0 | – | 89th of 114 | 2710th of 3,080 |
| Heavy rain | 1 | 0 | – | 75th of 114 | 1863rd 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 Mercer County record: every hazard by year and month, the deadliest events and FEMA's declarations.