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Missouri natural disaster risk

Ratings for all 115 counties, the federal disaster record and flood insurance across the state.

76major disasters since 1953 (8th most)

$3.9Bexpected losses a year

0.4%of homes with flood insurance

Photo: Paul Sableman, CC BY 2.0

Missouri has had 76 major federal disaster declarations for natural events since 1953. FEMA expects about $3.9 billion a year in losses from natural hazards across the state. Inland flooding is the costliest hazard in 98 of its 115 counties, followed by earthquake in 7. None is rated Very High overall. About 0.4% of homes carry federal flood insurance, and the program has paid $962 million on 49,098 claims here since 1978.

Very High0counties

High3counties

Moderate11counties

Low56counties

Highest overall risk

1St. Louis CountyHigh

2St. Louis CityHigh

3Jackson CountyHigh

4St. Charles CountyModerate

5Jefferson CountyModerate

Lowest risk (50,000+ people)

1Johnson CountyLow

2Pulaski CountyLow

3Christian CountyLow

4Lincoln CountyLow

5Platte CountyLow

Top hazards

Inland floodingtop risk in 98 counties

Earthquaketop risk in 7 counties

Heat wavetop risk in 5 counties

Recent federal declarations

All states ›

Sep 1, 2026Severe Storms, Straight-Line Winds, and FloodingMajor disaster

Aug 3, 2026Severe Storms, Straight-Line Winds, Tornadoes, and FloodingMajor disaster

Largest counties

St. Louis County

1,003,734 people

High Heat wave

Jackson County

716,764 people

High Inland flooding

St. Charles County

405,183 people

Moderate Inland flooding

St. Louis City

301,414 people

High Heat wave

Greene County

298,522 people

Moderate Inland flooding

Clay County

252,904 people

Moderate Inland flooding

Jefferson County

226,703 people

Moderate Inland flooding

Boone County

183,385 people

Moderate Inland flooding

Jasper County

122,722 people

Moderate Inland flooding

Cass County

107,719 people

Low Inland flooding

Platte County

106,489 people

Low Inland flooding

Franklin County

104,457 people

Moderate Inland flooding

Cities in Missouri

All 30 cities ›

Kansas City510,612 St. Louis288,512 Springfield169,954 Columbia128,548 Independence121,740 Lee's Summit103,656 O'Fallon93,801 St. Charles71,508 St. Joseph71,236 Blue Springs59,965 St. Peters59,092 Joplin52,593 Florissant51,773 Chesterfield49,574 Wentzville47,061

All 115 counties

Name	People	Overall risk	Top hazard	Declarations	Homes insured
Adair County	25,279	Very Low	Inland flooding	24	0.1%
Andrew County	18,084	Very Low	Inland flooding	30	0.3%
Atchison County	5,305	Very Low	Inland flooding	21	0.2%
Audrain County	24,918	Low	Inland flooding	17	0.3%
Barry County	34,451	Low	Inland flooding	27	0%
Barton County	11,603	Low	Inland flooding	22	0.3%
Bates County	16,006	Very Low	Inland flooding	21	0.1%
Benton County	19,338	Low	Inland flooding	19	0.1%
Bollinger County	10,557	Very Low	Inland flooding	26	0.2%
Boone County	183,385	Moderate	Inland flooding	25	0.2%
Buchanan County	84,731	Low	Inland flooding	26	0.7%
Butler County	42,051	Moderate	Inland flooding	21	1.4%
Caldwell County	8,773	Very Low	Inland flooding	22	0%
Callaway County	44,176	Low	Inland flooding	27	0.1%
Camden County	42,734	Moderate	Inland flooding	26	0.6%
Cape Girardeau County	81,676	Moderate	Earthquake	27	0.2%
Carroll County	8,482	Very Low	Inland flooding	27	0.3%
Carter County	5,184	Low	Inland flooding	20	1.2%
Cass County	107,719	Low	Inland flooding	19	0.3%
Cedar County	14,177	Very Low	Inland flooding	21	0%
Chariton County	7,366	Very Low	Inland flooding	26	0.4%
Christian County	88,779	Low	Inland flooding	20	0.2%
Clark County	6,614	Very Low	Inland flooding	25	0.6%
Clay County	252,904	Moderate	Inland flooding	23	0.3%
Clinton County	21,165	Low	Inland flooding	20	0.1%
Cole County	76,989	Low	Inland flooding	24	0.3%
Cooper County	17,086	Very Low	Inland flooding	22	0.1%
Crawford County	23,020	Low	Inland flooding	22	0.2%
Dade County	7,519	Very Low	Inland flooding	23	0%
Dallas County	17,058	Very Low	Inland flooding	23	0.1%
Daviess County	8,388	Very Low	Inland flooding	22	0%
DeKalb County	10,966	Very Low	Inland flooding	20	0%
Dent County	14,403	Low	Cold wave	16	0.1%
Douglas County	11,559	Very Low	Inland flooding	23	0%
Dunklin County	28,216	Low	Earthquake	20	1.9%
Franklin County	104,457	Moderate	Inland flooding	22	0.3%
Gasconade County	14,761	Very Low	Inland flooding	19	0.4%
Gentry County	6,162	Very Low	Inland flooding	20	0%
Greene County	298,522	Moderate	Inland flooding	25	0.2%
Grundy County	9,796	Very Low	Inland flooding	20	0%
Harrison County	8,099	Very Low	Inland flooding	17	0%
Henry County	21,887	Low	Inland flooding	18	0.1%
Hickory County	8,271	Very Low	Inland flooding	21	0%
Holt County	4,210	Very Low	Inland flooding	23	5.2%
Howard County	10,117	Very Low	Inland flooding	27	0.2%
Howell County	39,672	Low	Inland flooding	23	0.2%
Iron County	9,485	Low	Inland flooding	25	0.5%
Jackson County	716,764	High	Inland flooding	24	0.2%
Jasper County	122,722	Moderate	Inland flooding	21	0.2%
Jefferson County	226,703	Moderate	Inland flooding	28	0.7%
Johnson County	53,973	Low	Inland flooding	19	0.3%
Knox County	3,731	Very Low	Inland flooding	24	0%
Laclede County	36,002	Low	Inland flooding	21	0.1%
Lafayette County	32,921	Low	Cold wave	23	0%
Lawrence County	37,920	Low	Inland flooding	18	0.3%
Lewis County	10,016	Very Low	Inland flooding	25	0.5%
Lincoln County	59,458	Low	Inland flooding	27	0.6%
Linn County	11,784	Very Low	Inland flooding	21	0.1%
Livingston County	14,554	Very Low	Inland flooding	21	0%
Macon County	15,152	Very Low	Inland flooding	21	0%
Madison County	12,581	Low	Inland flooding	24	0.4%
Maries County	8,424	Very Low	Inland flooding	26	0.2%
Marion County	28,508	Low	Inland flooding	23	0.4%
McDonald County	23,248	Low	Inland flooding	24	0.4%
Mercer County	3,538	Very Low	Inland flooding	18	0%
Miller County	24,682	Low	Inland flooding	28	0.1%
Mississippi County	12,551	Low	Earthquake	23	3.5%
Moniteau County	15,418	Very Low	Inland flooding	21	0.1%
Monroe County	8,635	Very Low	Inland flooding	17	0.1%
Montgomery County	11,290	Very Low	Inland flooding	24	0.1%
Morgan County	20,975	Low	Inland flooding	26	0.4%
New Madrid County	16,354	Low	Earthquake	26	4%
Newton County	58,493	Low	Inland flooding	27	0.6%
Nodaway County	21,217	Low	Inland flooding	20	0.1%
Oregon County	8,635	Low	Inland flooding	23	0.1%
Osage County	13,248	Very Low	Inland flooding	28	0.4%
Ozark County	8,514	Very Low	Inland flooding	25	0%
Pemiscot County	15,589	Low	Earthquake	24	4.7%
Perry County	18,942	Low	Inland flooding	27	0.2%
Pettis County	42,939	Low	Inland flooding	19	0.2%
Phelps County	44,560	Low	Inland flooding	23	0.4%
Pike County	17,548	Very Low	Inland flooding	24	0.6%
Platte County	106,489	Low	Inland flooding	24	0.3%
Polk County	31,462	Low	Inland flooding	23	0%
Pulaski County	53,812	Low	Inland flooding	23	0.4%
Putnam County	4,677	Very Low	Inland flooding	17	0%
Ralls County	10,325	Very Low	Inland flooding	24	0.2%
Randolph County	24,642	Very Low	Inland flooding	16	0.1%
Ray County	23,141	Low	Inland flooding	31	0.7%
Reynolds County	6,069	Low	Cold wave	25	0.3%
Ripley County	10,679	Low	Inland flooding	22	1.2%
Saline County	23,279	Low	Inland flooding	24	0.1%
Schuyler County	4,021	Very Low	Inland flooding	16	0%
Scotland County	4,696	Very Low	Heat wave	22	0%
Scott County	38,040	Low	Earthquake	29	4.1%
Shannon County	7,014	Low	Cold wave	25	0.1%
Shelby County	6,082	Very Low	Inland flooding	25	0%
St. Charles County	405,183	Moderate	Inland flooding	26	0.8%
St. Clair County	9,207	Very Low	Inland flooding	22	0%
St. Francois County	66,914	Low	Inland flooding	19	0.2%
St. Louis City	301,414	High	Heat wave	23	0.1%
St. Louis County	1,003,734	High	Heat wave	32	0.6%
Ste. Genevieve County	18,438	Low	Inland flooding	29	0.4%
Stoddard County	28,566	Low	Earthquake	24	1%
Stone County	31,002	Low	Inland flooding	22	0.2%
Sullivan County	5,947	Very Low	Inland flooding	23	0%
Taney County	55,976	Moderate	Inland flooding	21	0.6%
Texas County	24,432	Low	Cold wave	25	0.3%
Vernon County	19,653	Low	Inland flooding	24	0.1%
Warren County	35,446	Low	Inland flooding	15	0.2%
Washington County	23,459	Low	Heat wave	26	0.1%
Wayne County	10,969	Low	Inland flooding	26	1%
Webster County	39,068	Low	Inland flooding	31	0.1%
Worth County	1,973	Very Low	Heat wave	19	0%
Wright County	18,138	Low	Inland flooding	23	0%

Linked names have a full page. Overall risk from the FEMA National Risk Index (December 2025); declarations are federal disaster and emergency declarations for natural events since 1953 (OpenFEMA); homes insured is the share with NFIP flood policies.