Dade County, Missouri
Natural disaster risk, federal disaster history and flood insurance facts.
Dade County, Missouri has a very low overall risk from natural hazards in FEMA's National Risk Index. Its risk score is lower than 77% of US counties. It ranks 96th of 115 counties in Missouri. The costliest hazards here are inland flooding, tornadoes and cold waves. FEMA estimates about $6.6 million a year in expected losses, or roughly $877 per resident. Since 1973 it has been included in 23 federal disaster or emergency declarations for natural events (19 major disasters). The most recent was in August 2026 (severe storms, straight-line winds, tornadoes and flooding). No homes here carry federal flood insurance.
FEMA National Risk Index December 2025; OpenFEMA declarations to Nov 6, 2026; NFIP records. Updated November 6, 2026.
Top risks in Dade County
- Check the FEMA flood map for your address, and ask the seller or landlord about past flooding.
- Price a flood policy now. Most new federal policies take 30 days to start.
- Pick a shelter spot: a basement, or an inside room on the lowest floor with no windows.
- Turn on emergency alerts on your phone and keep a weather radio.
- Insulate pipes in outside walls, crawl spaces and garages.
- Know how to shut off the main water valve.
All 18 hazards
What the ratings mean ›| Hazard | Rating | Score | Expected loss a year | |
|---|---|---|---|---|
| Inland flooding | 27.7 | $3M | ||
| Tornado | 45.7 | $883K | ||
| Cold wave | 46.2 | $671K | ||
| Heat wave | 64.5 | $587K | ||
| Drought | 75.3 | $583K | ||
| Strong wind | 54.9 | $519K | ||
| Ice storm | 76.5 | $259K | ||
| Hail | 46.2 | $186K | ||
| Earthquake | 41.6 | $138K | ||
| Lightning | 22.3 | $63K | ||
| Winter weather | 42.3 | $40K | ||
| Wildfire | 38.1 | $19K | ||
| Hurricane | 22.5 | $6K | ||
| Landslide | 17.8 | $73 |
Scores are percentiles: a score of 90 means higher risk than about 90% of US counties for that hazard. Hazards FEMA does not rate here are left out. Social vulnerability is relatively high and community resilience is relatively low in FEMA's measures.
Federal disaster history
Recent disasters nationwide ›Declarations by decade
Federal declarations for natural events that included Dade County. 2020s bar runs to November 2026.
By type
Most recent
Show all 23
Missouri also had 5 statewide declarations that did not name single counties.
Storm history since 1956
Tornado risk by county ›The National Weather Service has logged 435 storm reports in Dade County since 1956, with 1 death and 6 injuries and about $12.9 million in reported damage. The strongest on record here was an F3 tornado on April 20, 1973.
Strongest tornadoes
| Date | Strength | Near | Hurt / killed |
|---|---|---|---|
| Apr 20, 1973 | F3 | – | 6 / 0 |
| Apr 20, 1973 | F3 | – | 0 / 0 |
| Dec 19, 1957 | F2 | – | 0 / 0 |
| Apr 25, 1961 | F2 | – | 0 / 0 |
| Feb 28, 2012 | EF1 | Greenfield | 0 / 0 |
Most damaging storms
| Date | Type | Near | Damage |
|---|---|---|---|
| Apr 20, 1973 | Tornado | – | $3M |
| Apr 20, 1973 | Tornado | – | $3M |
| Aug 20, 2007 | Flash Flood | Pennsboro | $2M |
| May 8, 2009 | Thunderstorm Wind | Meinert | $1M |
| Jun 7, 1994 | Thunderstorm Wind | Lake Stockton | $500K |
| Apr 30, 2017 | Flash Flood | Pilgrim | $500K |
Source: NOAA Storm Events Database, county-based reports through Apr 26, 2026. Tornado records start in 1950, hail and wind in 1955, and floods and other storm types in 1996, so older decades undercount. Damage is in dollars of the year it happened and is often an estimate. Winter storms, heat and hurricanes are logged by forecast zone, not county, so they are not counted here.
Flood insurance in Dade County
Check your address flood zone ›National Flood Insurance Program (NFIP) records only; private flood policies are not included. Home counts as of Aug 3, 2026. Since 2021 NFIP prices each home separately under Risk Rating 2.0, so your price depends on the building, not the county. Ask an agent for a quote.
Homes in Dade County
Older homes and mobile homes usually suffer more damage in storms, floods and earthquakes, and can cost more to insure. If you are buying, ask about roof age, foundation bolting and any retrofits. Source: US Census Bureau, American Community Survey 2020 to 2024 5-year estimates; 3,774 housing units.
Compare in Missouri
All 115 ›| Largest counties | Overall risk | Top hazard |
|---|---|---|
| St. Louis County | Heat wave | |
| Jackson County | Inland flooding | |
| St. Charles County | Inland flooding | |
| St. Louis City | Heat wave | |
| Greene County | Inland flooding | |
| Clay County | Inland flooding | |
| Jefferson County | Inland flooding | |
| Boone County | Inland flooding |
Neighboring counties
| County | Overall risk | Declarations |
|---|---|---|
| Greene County | 25 | |
| Jasper County | 21 | |
| Lawrence County | 18 | |
| Polk County | 23 | |
| Cedar County | 21 | |
| Barton County | 22 |
Common questions about Dade County
What is the biggest natural hazard in Dade County?
Inland flooding has the highest expected yearly losses in Dade County, about $2.6 million a year in FEMA's estimate. Tornado is second at $883,277.
How many federal disasters has Dade County had?
Dade County has been included in 23 federal disaster or emergency declarations for natural events since 1973, including 19 major disasters. The most recent was Severe Storms, Straight-Line Winds, Tornadoes, and Flooding in August 2026.
Is Dade County a high-risk place to live?
Its overall rating is Very Low, 96th highest of 115 in Missouri. A county rating covers the whole area. Risk at one address can be much higher or lower, so check the FEMA flood map and ask about the home's history.
Do I need flood insurance in Dade County?
Standard home insurance does not cover flooding. Lenders require it in mapped high-risk zones, but many flood claims come from outside those zones.
How many tornadoes has Dade County had?
NOAA records list 29 tornadoes in Dade County since 1950. The strongest was an F3 tornado on April 20, 1973. The weather service has also logged 163 hail reports and 61 floods here.
Sources: FEMA National Risk Index (December 2025), OpenFEMA Disaster Declarations Summaries, and NFIP policy and claims data. Hazard Compass is independent and not affiliated with FEMA. These figures describe the whole county, not a single property, and are not insurance or safety advice. Report a problem.