Natural hazards · Cedar Hill Lakes

Cedar Hill Lakes, MO natural hazards

Most of the natural-hazard damage FEMA expects in Cedar Hill Lakes comes from inland flooding, and overall the risk is very high for a U.S. community.

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

Expected damage

How exposed is Cedar Hill Lakes?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cedar Hill Lakes to be higher than in 82% of U.S. communities, mostly from inland flooding.

Inland flooding57%Tornadoes12%Earthquakes10%Cold waves6%Strong wind6%Everything else8%

By hazard

What Cedar Hill Lakes faces

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

Inland flooding

57% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

12% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 18 years in the area

Earthquakes

10% of expected damage

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

Cold waves

6% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about once a year in the area

Strong wind

6% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightningDrought

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 Cedar Hill Lakes flood?

FEMA's records show no paid flood insurance claims in Cedar Hill Lakes.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Jefferson County.

Disasters that hit Cedar Hill Lakes

Federal disasters declared here

None of the disasters declared for Jefferson County shows FEMA aid or repair money reaching Cedar Hill Lakes itself in FEMA’s records.

Brought FEMA money into Cedar Hill LakesDeclared for Jefferson County only

Jefferson County has had 24 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. Cedar Hill Lakes 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 Cedar Hill Lakes’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Cedar Hill Lakes. 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.