Natural hazards · Emma

Emma, KS natural hazards

Most of the natural-hazard damage FEMA expects in Emma comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 13 claims here since 1993.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Emma?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Emma to be higher than in 54% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding42%Tornadoes24%Hail11%Cold waves6%Everything else18%

By hazard

What Emma faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

42% of expected damage

Above average · higher than 57% of U.S. places

Recorded about once a year in the area

Tornadoes

24% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once every 4 years in the area

Hail

11% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 10 times a year in the area

Cold waves

6% of expected damage

Below average · higher than 37% of U.S. places

Recorded about 2 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Emma flood?

Every paid claim on a federal flood insurance policy in Emma, from FEMA’s records.

13paid claims since 1993

$159Kpaid to owners

0homes flooded more than once

19932026

Biggest named events

Midwest Flooding: 6 claims, $46K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Emma isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Harvey County.

Disasters that hit Emma

Federal disasters declared here

None of the disasters declared for Harvey County shows FEMA aid or repair money reaching Emma itself in FEMA’s records.

Brought FEMA money into EmmaDeclared for Harvey County only

Harvey County has had 21 natural disasters declared since 1953, most often severe storms and floods.

Around Emma

Emma and the towns around it

Very lowLowModerateHighVery high

Meridianmostly inland floodingHigh

Maconmostly inland floodingModerate

Emmamostly inland floodingModerate

Gardenmostly inland floodingModerate

Highlandmostly inland floodingModerate

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Emma covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Emma’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Emma. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Emma total about $5.1M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.