Natural hazards · Breckenridge

Breckenridge, MO natural hazards

Most of the natural-hazard damage FEMA expects in Breckenridge comes from inland flooding, and overall the risk is moderate 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 Breckenridge?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Breckenridge to be higher than in 45% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding43%Cold waves17%Tornadoes12%Drought12%Heat waves5%Everything else10%

By hazard

What Breckenridge faces

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

Inland flooding

43% of expected damage

Above average · higher than 62% of U.S. places

Recorded about once every 2 years in the area

Cold waves

17% of expected damage

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

Recorded about 3 times a year in the area

Tornadoes

12% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about once every 8 years in the area

Drought

12% of expected damage

Recorded about 14 times a year in the area

Heat waves

5% of expected damage

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

Recorded about 11 times a year in the area

Lower here

HailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 Breckenridge flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Caldwell County.

Disasters that hit Breckenridge

3 federal disasters brought FEMA money here

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

Brought FEMA money into BreckenridgeDeclared for Caldwell County only

2019

Severe Storms, Tornadoes, and Flooding

$84K to the City of Breckenridge for repairs

2015

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

$34K to the City of Breckenridge for repairs

2010

Severe Storms, Flooding, and Tornadoes

$35K to the City of Breckenridge for repairs

Caldwell 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. Breckenridge 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 Breckenridge’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Breckenridge. 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.