Natural hazards · Bertrand

Bertrand, MO natural hazards

Most of the natural-hazard damage FEMA expects in Bertrand comes from earthquakes, and overall the risk is very high for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Bertrand?

Very high

vs. U.S. communities

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

Earthquakes42%Inland flooding18%Tornadoes13%Drought9%Cold waves5%Strong wind5%Everything else9%

By hazard

What Bertrand faces

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

Earthquakes

42% of expected damage

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

Inland flooding

18% of expected damage

Below average · higher than 45% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

13% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about once every 6 years in the area

Drought

9% of expected damage

Recorded about 11 times a year in the area

Cold waves

5% of expected damage

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

Recorded about once a year in the area

Strong wind

5% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightning

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 Bertrand flood?

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

of all homes
are insured

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

Insurance rates: Mississippi County.

Disasters that hit Bertrand

3 federal disasters brought FEMA money here

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

Brought FEMA money into BertrandDeclared for Mississippi County only

2025

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

1 household applied for aid

2011

Severe Storms, Tornadoes, and Flooding

7 households applied for aid $37K aid approved $72K to the City of Bertrand for repairs

2006

Severe Storms, Tornadoes and Flooding

1 household applied for aid

Mississippi County has had 20 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. Bertrand 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 Bertrand’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Bertrand. 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.