Natural hazards · Berger

Berger, MO natural hazards

Most of the natural-hazard damage FEMA expects in Berger comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 10 claims here since 1993. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Berger?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Berger to be higher than in 57% of U.S. communities, mostly from inland flooding.

Inland flooding54%Tornadoes11%Earthquakes9%Heat waves9%Cold waves5%Everything else12%

By hazard

What Berger faces

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

Inland flooding

54% of expected damage

Above average · higher than 70% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

11% of expected damage

Above average · higher than 73% of U.S. places

Recorded about once every 15 years in the area

Earthquakes

9% of expected damage

Well above average · higher than 78% of U.S. places

Heat waves

9% of expected damage

Above average · higher than 60% of U.S. places

Recorded about 12 times a year in the area

Cold waves

5% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesStrong 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 Berger flood?

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

10paid claims since 1993

$43Kpaid to owners

1homes flooded more than once

19932026

Biggest named events

Midwest Flooding: 1 claim, $10K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Franklin County.

What’s been done with FEMA grants

2flood-prone properties bought out and cleared

Disasters that hit Berger

1 federal disaster brought FEMA money here

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

Brought FEMA money into BergerDeclared for Franklin County only

2025

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

1 household applied for aid $770 aid approved

Franklin County has had 21 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. Berger 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 Berger’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Berger. 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.