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Natural hazards · Arnold

Arnold, MO natural hazards

Most of the natural-hazard damage FEMA expects in Arnold comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 982 claims here since 1978. 9 federal disasters brought FEMA money into town.

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

How exposed is Arnold?

70
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Arnold to be higher than in 70% of U.S. communities, mostly from inland flooding.

Inland flooding48%Earthquakes15%Tornadoes14%Strong wind8%Cold waves7%Everything else9%
By hazard

What Arnold faces

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

Inland flooding

48% of expected damage
Well above average · higher than 76% of U.S. places
Recorded about 2 times a year in the area

Earthquakes

15% of expected damage
Well above average · higher than 81% of U.S. places

Tornadoes

14% of expected damage
Well above average · higher than 82% of U.S. places

Strong wind

8% of expected damage
Well above average · higher than 97% of U.S. places
Recorded about 6 times a year in the area

Cold waves

7% of expected damage
Well below average · higher than 17% of U.S. places
Recorded about once a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightning

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 Arnold flood?

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

982paid claims since 1978
$13.7Mpaid to owners
54homes flooded more than once
19782026

Biggest named events

  • Not a named storm: 186 claims, $3.6M
  • Midwest Flooding: 142 claims, $3.9M
  • Early winter storms: 40 claims, $1.6M

Homes that flooded again and again

■ FEMA “severe repetitive loss” (26) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Arnold isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Jefferson County.

What’s been done with FEMA grants

242flood-prone properties bought out and cleared
Disasters that hit Arnold

9 federal disasters brought FEMA money here

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

Brought FEMA money into ArnoldDeclared for Jefferson County only
2025

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

415 households applied for aid $446K aid approved
2019

Severe Storms, Tornadoes, and Flooding

3 households applied for aid $14K aid approved
2017

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

58 households applied for aid $101K aid approved $141K to the City of Arnold for repairs
2015

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

316 households applied for aid $1.8M aid approved $301K to the City of Arnold for repairs
2009

Severe Storms, Tornadoes, and Flooding

3 households applied for aid
2008

Severe Storms, Flooding, and a Tornado

20 households applied for aid $76K aid approved
2008

Severe Storms and Flooding

18 households applied for aid $12K aid approved $92K to the City of Arnold for repairs
2006

Severe Storms

$115K to the City of Arnold for repairs
2003

Severe Storms, Tornadoes, and Flooding

3 households applied for aid $7K aid approved
Jefferson 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. Arnold covers 4 census tracts, combined by population.
Money that reached townFlood claims are matched to Arnold’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Arnold. 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 Arnold total about $9.4M 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.

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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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