Ray County, Missouri: hazard risk
FEMA rates Ray County's overall risk Relatively Low (score 44.4 of 100, higher than 44% of rated U.S. counties). Its storm record holds 416 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 | 78.4 | $3.1M |
| Drought | Relatively Moderate | 65.3 | $380K |
| Winter Weather | Relatively Moderate | 64.1 | $99K |
| Ice Storm | Relatively Moderate | 62.1 | $141K |
| Landslide | Relatively Low | 80.4 | $15K |
| Heat Wave | Relatively Low | 70.6 | $895K |
| Hail | Relatively Low | 63.6 | $408K |
| Tornado | Relatively Low | 57.9 | $1.5M |
| Riverine Flooding | Relatively Low | 48.8 | $6.0M |
| Lightning | Relatively Low | 43.4 | $176K |
| Strong Wind | Relatively Low | 40.7 | $402K |
| Wildfire | Very Low | 55.0 | $60K |
| Earthquake | Very Low | 35.3 | $108K |
| Hurricane | No Rating | 0.0 | $0 |
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 | 116 | 0 | $10K | 64th of 114 | 936th of 3,080 |
| Severe thunderstorm wind | 112 | 0 | $1.9M | 83rd of 114 | 1956th of 3,080 |
| Floods | 58 | 1 | $182K | 63rd of 114 | 920th of 3,080 |
| Winter storms | 42 | 0 | $492K | 84th of 114 | 1898th of 3,077 |
| Tornadoes | 34 | 2 | $43M | 22nd of 114 | 628th of 3,080 |
| Drought | 21 | 0 | – | 52nd of 114 | 1196th of 3,063 |
| Heat | 15 | 0 | – | 61st of 114 | 846th of 3,076 |
| Extreme cold | 11 | 0 | – | 36th of 114 | 1167th of 3,076 |
| Heavy rain | 2 | 0 | – | 62nd of 114 | 1553rd of 3,080 |
| High wind and dust storms | 2 | 0 | – | 98th of 114 | 2772nd of 3,080 |
| Lightning | 2 | 0 | $18K | 40th of 114 | 1510th 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 Ray County record: every hazard by year and month, the deadliest events and FEMA's declarations.