Natural hazards · Arcadia

Arcadia, MO natural hazards

Most of the natural-hazard damage FEMA expects in Arcadia comes from heat waves, and overall the risk is very high for a U.S. community. Flood insurance has paid 10 claims here since 1978. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Arcadia?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Arcadia to be higher than in 87% of U.S. communities, mostly from heat waves and inland flooding.

Heat waves32%Inland flooding31%Cold waves22%Tornadoes7%Everything else9%

By hazard

What Arcadia faces

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

Heat waves

32% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about 11 times a year in the area

Inland flooding

31% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about once a year in the area

Cold waves

22% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about once a year in the area

Tornadoes

7% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about once every 17 years in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Arcadia flood?

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

10paid claims since 1978

$82Kpaid to owners

0homes flooded more than once

19782026

Biggest named events

March storm: 1 claim, $5K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Arcadia 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

5flood-prone properties bought out and cleared

Disasters that hit Arcadia

6 federal disasters brought FEMA money here

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

Brought FEMA money into ArcadiaDeclared for Iron County only

2025

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

3 households applied for aid $116K aid approved

2025

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

2 households applied for aid

2017

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

5 households applied for aid $513 aid approved

2009

Severe Storms, Tornadoes, and Flooding

29 households applied for aid $80K aid approved

2008

Severe Storms and Flooding

11 households applied for aid $3K aid approved

2006

Severe Storms, Tornadoes and Flooding

10 households applied for aid $4K aid approved

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. Arcadia 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 Arcadia’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Arcadia. 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.