Natural hazards · Centralia

Centralia, MO natural hazards

Most of the natural-hazard damage FEMA expects in Centralia comes from inland flooding, and overall the risk is moderate for a U.S. community. 8 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Centralia?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Centralia to be higher than in 50% of U.S. communities, mostly from inland flooding.

Inland flooding56%Tornadoes15%Heat waves8%Cold waves7%Earthquakes6%Everything else10%

By hazard

What Centralia faces

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

Inland flooding

56% of expected damage

Above average · higher than 71% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

15% of expected damage

Above average · higher than 59% of U.S. places

Recorded about once every 70 years in the area

Heat waves

8% of expected damage

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

Recorded about 12 times a year in the area

Cold waves

7% of expected damage

Above average · higher than 53% of U.S. places

Recorded about 2 times a year in the area

Earthquakes

6% of expected damage

Above average · higher than 70% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesStrong windLightningDrought

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 Centralia flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Boone County.

Disasters that hit Centralia

8 federal disasters brought FEMA money here

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

Brought FEMA money into CentraliaDeclared for Boone County only

2019

Severe Storms, Tornadoes, and Flooding

1 household applied for aid

2011

Severe Winter Storm and Snowstorm

$9K to the City of Centralia for repairs

2008

Severe Storms, Flooding, and a Tornado

1 household applied for aid $3K aid approved

2007

Severe Winter Storms

$6K to the City of Centralia for repairs

2007

Severe Winter Storms and Flooding

$8K to the City of Centralia for repairs

2006

Severe Winter Storms

$5K to the City of Centralia for repairs

2006

Severe Storms, Tornadoes and Flooding

1 household applied for aid

2003

Severe Storms, Tornadoes, and Flooding

17 households applied for aid $55K aid approved

Boone County has had 23 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. Centralia 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 Centralia’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Centralia. 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.

Centralia, MO natural hazards

How exposed is Centralia?

What Centralia faces

Inland flooding

Tornadoes

Heat waves

Cold waves

Earthquakes

Lower here

Not a risk here

Does Centralia flood?

8 federal disasters brought FEMA money here

Severe Storms, Tornadoes, and Flooding

Severe Winter Storm and Snowstorm

Severe Storms, Flooding, and a Tornado

Severe Winter Storms

Severe Winter Storms and Flooding

Severe Winter Storms

Severe Storms, Tornadoes and Flooding

Severe Storms, Tornadoes, and Flooding

How to read this page

Where to, neighbor?

Matches

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