Natural hazards · Boone

Boone, MO natural hazards

Most of the natural-hazard damage FEMA expects in Boone comes from cold waves, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 2024. 13 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Boone?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Boone to be higher than in 62% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves42%Inland flooding21%Heat waves14%Tornadoes9%Everything else14%

By hazard

What Boone faces

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

Cold waves

42% of expected damage

Below average · higher than 41% of U.S. places

Recorded about 2 times a year in the area

Inland flooding

21% of expected damage

Above average · higher than 68% of U.S. places

Recorded about 3 times a year in the area

Heat waves

14% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 12 times a year in the area

Tornadoes

9% of expected damage

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

Recorded about once every 9 years in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightning

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 Boone flood?

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

1paid claims since 2024

$116Kpaid to owners

0homes flooded more than once

20242026

of all homes
are insured

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

Insurance rates: Texas County.

Disasters that hit Boone

13 federal disasters brought FEMA money here

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

Brought FEMA money into BooneDeclared for Texas County only

2024

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

$98K to the Township of Boone for repairs

2024

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

$54K to the Township of Boone for repairs

2019

Severe Storms, Tornadoes, and Flooding

$38K to the Township of Boone for repairs

2017

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

$47K to the Township of Boone for repairs

2015

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

$46K to the Township of Boone for repairs

2013

Severe Storms, Straight-Line Winds and Flooding

$22K to the Township of Boone for repairs

2013

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

$13K to the Township of Boone for repairs

2011

Severe Storms, Tornadoes, and Flooding

$8K to the Township of Boone for repairs

2009

Severe Storms, Tornadoes, and Flooding

$20K to the Township of Boone for repairs

2008

Severe Storms, Flooding, and a Tornado

$35K to the Township of Boone for repairs

2008

Severe Storms and Flooding

$38K to the Township of Boone for repairs

2007

Severe Winter Storms and Flooding

$3K to the Township of Boone for repairs

2002

Severe Storms, Tornadoes and Flooding

$56K to the Township of Boone for repairs

Texas County has had 23 natural disasters declared since 1953, most often severe storms and ice storms.

Around Boone

Boone and the towns around it

Very lowLowModerateHighVery high

Boonemostly cold wavesHigh

Roubidouxmostly cold wavesHigh

Sherrillmostly cold wavesModerate

Lynchmostly cold wavesModerate

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. Boone covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Boone’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Boone. 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 Boone total about $1.8M 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.