Natural hazards · Cass

Cass, MO natural hazards

Most of the natural-hazard damage FEMA expects in Cass comes from cold waves, and overall the risk is high for a U.S. community. 13 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Cass?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cass to be higher than in 68% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves39%Inland flooding22%Heat waves12%Tornadoes9%Earthquakes8%Everything else9%

By hazard

What Cass faces

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

Cold waves

39% of expected damage

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

Recorded about 2 times a year in the area

Inland flooding

22% of expected damage

Above average · higher than 72% of U.S. places

Recorded about 3 times a year in the area

Heat waves

12% 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 88% of U.S. places

Recorded about once every 14 years in the area

Earthquakes

8% of expected damage

Well above average · higher than 81% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesStrong 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 Cass flood?

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

of all homes
are insured

No community discount. Cass 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 Cass

13 federal disasters brought FEMA money here

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

Brought FEMA money into CassDeclared for Texas County only

2025

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

$38K to the Township of Cass for repairs

2024

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

$69K to the Township of Cass for repairs

2024

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

$263K to the Township of Cass for repairs

2017

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

$496K to the Township of Cass for repairs

2015

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

$700K to the Township of Cass for repairs

2013

Severe Storms, Straight-Line Winds and Flooding

$183K to the Township of Cass for repairs

2013

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

$26K to the Township of Cass for repairs

2011

Severe Storms, Tornadoes, and Flooding

$17K to the Township of Cass for repairs

2009

Severe Storms, Tornadoes, and Flooding

$36K to the Township of Cass for repairs

2008

Severe Storms, Flooding, and a Tornado

$163K to the Township of Cass for repairs

2008

Severe Storms and Flooding

$119K to the Township of Cass for repairs

2008

Severe Winter Storms and Flooding

$13K to the Township of Cass for repairs

2002

Severe Storms, Tornadoes and Flooding

$167K to the Township of Cass for repairs

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

Around Cass

Cass and the towns around it

Very lowLowModerateHighVery high

Burdinemostly inland floodingHigh

Sargentmostly inland floodingHigh

Cassmostly cold wavesHigh

Ozarkmostly cold wavesHigh

Piercemostly cold wavesHigh

Morrismostly cold wavesModerate

Pineymostly 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. Cass 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 Cass’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Cass. 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.