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Natural hazards · Annapolis

Annapolis, MO natural hazards

Most of the natural-hazard damage FEMA expects in Annapolis comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 4 claims here since 1985. 7 federal disasters brought FEMA money into town.

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

How exposed is Annapolis?

97
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Annapolis to be higher than in 97% of U.S. communities, mostly from inland flooding and heat waves.

Inland flooding49%Heat waves23%Cold waves16%Everything else12%
By hazard

What Annapolis faces

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

Inland flooding

49% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about once a year in the area

Heat waves

23% of expected damage
Well above average · higher than 79% of U.S. places
Recorded about 11 times a year in the area

Cold waves

16% of expected damage
Well below average · higher than 17% of U.S. places
Recorded about once a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Annapolis flood?

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

4paid claims since 1985
$67Kpaid to owners
0homes flooded more than once
19852026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Annapolis isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Iron County.

What’s been done with FEMA grants

7flood-prone properties bought out and cleared
Disasters that hit Annapolis

7 federal disasters brought FEMA money here

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

Brought FEMA money into AnnapolisDeclared for Iron County only
2025

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

1 household applied for aid $24K aid approved
2025

Severe Storms, Straight-Line Winds, Tornadoes, and Wildfires

3 households applied for aid $69K aid approved
2017

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

17 households applied for aid $15K aid approved
2009

Severe Storms, Tornadoes, and Flooding

34 households applied for aid $148K aid approved
2008

Severe Storms and Flooding

23 households applied for aid $23K aid approved
2006

Severe Storms, Tornadoes and Flooding

6 households applied for aid $5K aid approved
2002

Severe Storms, Tornadoes and Flooding

$7K to the City of Annapolis for repairs
Iron County has had 24 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. Annapolis 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 Annapolis’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Annapolis. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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