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Natural hazards · Bethany

Bethany, MO natural hazards

Most of the natural-hazard damage FEMA expects in Bethany comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 1993. 5 federal disasters brought FEMA money into town.

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

How exposed is Bethany?

57
Moderate
vs. U.S. communities

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

Inland flooding44%Tornadoes21%Cold waves12%Heat waves12%Strong wind6%Everything else5%
By hazard

What Bethany faces

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

Inland flooding

44% of expected damage
Above average · higher than 69% of U.S. places
Recorded about once every 2 years in the area

Tornadoes

21% of expected damage
Well above average · higher than 97% of U.S. places

Cold waves

12% of expected damage
Well above average · higher than 77% of U.S. places
Recorded about 5 times a year in the area

Heat waves

12% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about 9 times a year in the area

Strong wind

6% of expected damage
Well above average · higher than 90% of U.S. places
Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesLightningDrought

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 Bethany flood?

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

3paid claims since 1993
$51Kpaid to owners
0homes flooded more than once
19932026

Biggest named events

  • Midwest Flooding: 1 claim, $2K
of all homes
are insured
No community discount. Bethany isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Harrison County.
Disasters that hit Bethany

5 federal disasters brought FEMA money here

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

Brought FEMA money into BethanyDeclared for Harrison County only
2019

Severe Storms, Tornadoes, and Flooding

$36K to the Township of Bethany for repairs
2015

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

$47K to the Township of Bethany for repairs
2014

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

$18K to the Township of Bethany for repairs
2008

Severe Storms and Flooding

2 households applied for aid $21K aid approved
2004

Severe Storms, Tornadoes, and Flooding

8 households applied for aid $7K aid approved
Harrison County has had 16 natural disasters declared since 1953, most often severe storms and ice storms.
Around Bethany

Bethany and the towns around it

Cypress: Moderate, mostly inland floodingSherman: Moderate, mostly inland floodingJefferson: Moderate, mostly inland floodingWhite Oak: Moderate, mostly inland floodingAdams: Moderate, mostly inland floodingSalem: High, mostly inland floodingButler: Moderate, mostly inland floodingFox Creek: Moderate, mostly inland floodingGrant: Moderate, mostly inland floodingDallas: Moderate, mostly inland floodingUnion: Moderate, mostly inland floodingAthens: High, mostly inland floodingSugar Creek: Moderate, mostly inland floodingWashington: High, mostly inland floodingGilman City: High, mostly inland floodingBethany: Moderate, mostly inland flooding BethanyCypressShermanJeffersonWhite OakAdams
Very lowLowModerateHighVery high
Bethanymostly inland floodingModerate
Cypressmostly inland floodingModerate
Jeffersonmostly inland floodingModerate
White Oakmostly inland floodingModerate
Shermanmostly inland floodingModerate
Adamsmostly 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. Bethany covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Bethany’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Bethany. 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 Bethany total about $1.7M 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/15 · 2025-01-01
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