Natural hazards · Agency

Agency, MO natural hazards

Most of the natural-hazard damage FEMA expects in Agency comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 9 claims here since 1979. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Agency?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Agency to be higher than in 39% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding43%Tornadoes18%Cold waves12%Heat waves7%Drought6%Hail6%Everything else9%

By hazard

What Agency faces

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

Inland flooding

43% of expected damage

Above average · higher than 51% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

18% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 13 years in the area

Cold waves

12% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about 4 times a year in the area

Heat waves

7% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 12 times a year in the area

Drought

6% of expected damage

Recorded about 17 times a year in the area

Hail

6% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 9 times a year in the area

Lower here

Ice stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightning

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 Agency flood?

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

9paid claims since 1979

$455Kpaid to owners

2homes flooded more than once

19792026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of all homes
are insured

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

Insurance rates: Buchanan County.

What’s been done with FEMA grants

1flood-prone properties bought out and cleared

Disasters that hit Agency

2 federal disasters brought FEMA money here

Disasters the President declared that paid out in Agency itself: aid to households, or repair grants to the Village of Agency.

Brought FEMA money into AgencyDeclared for Buchanan County only

2019

Severe Storms, Tornadoes, and Flooding

9 households applied for aid $38K aid approved

2007

Severe Storms and Flooding

20 households applied for aid $134K aid approved

Buchanan County has had 23 natural disasters declared since 1953, most often severe storms and floods.

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. Agency is smaller than a census tract, so it shares the figures of the tract around its center.

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

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.