Natural hazards · Bear Creek

Bear Creek, MO natural hazards

Most of the natural-hazard damage FEMA expects in Bear Creek comes from inland flooding, and overall the risk is moderate for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Bear Creek?

Moderate

vs. U.S. communities

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

Inland flooding55%Drought12%Cold waves9%Tornadoes8%Everything else16%

By hazard

What Bear Creek faces

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

Inland flooding

55% of expected damage

Above average · higher than 67% of U.S. places

Recorded about 5 times a year in the area

Drought

12% of expected damage

Recorded about 12 times a year in the area

Cold waves

9% of expected damage

Below average · higher than 42% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

8% of expected damage

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

Recorded about once every 7 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Bear Creek flood?

FEMA's records show no paid flood insurance claims in Bear Creek.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Henry County.

Disasters that hit Bear Creek

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Bear Creek itself: aid to households, or repair grants to the Township of Bear Creek.

Brought FEMA money into Bear CreekDeclared for Henry County only

2011

Severe Winter Storm and Snowstorm

$2K to the Township of Bear Creek for repairs

Henry County has had 17 natural disasters declared since 1953, most often severe storms and ice storms.

Around Bear Creek

Bear Creek and the towns around it

Very lowLowModerateHighVery high

Bear Creekmostly inland floodingModerate

Fairviewmostly inland floodingModerate

Davismostly inland floodingModerate

Deepwatermostly 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. Bear Creek covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Bear Creek’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Bear Creek. 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 Bear Creek total about $2.5M 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.