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Natural hazards · Chaffee

Chaffee, MO natural hazards

Most of the natural-hazard damage FEMA expects in Chaffee comes from earthquakes, and overall the risk is high for a U.S. community. Flood insurance has paid 2 claims here since 1993. 9 federal disasters brought FEMA money into town.

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

How exposed is Chaffee?

76
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Chaffee to be higher than in 76% of U.S. communities, mostly from earthquakes and tornadoes.

Earthquakes32%Tornadoes22%Inland flooding18%Heat waves7%Cold waves7%Strong wind6%Everything else7%
By hazard

What Chaffee faces

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

Earthquakes

32% of expected damage
Well above average · higher than 89% of U.S. places

Tornadoes

22% of expected damage
Well above average · higher than 97% of U.S. places
Recorded about once every 29 years in the area

Inland flooding

18% of expected damage
Below average · higher than 45% of U.S. places
Recorded about 3 times a year in the area

Heat waves

7% of expected damage
Above average · higher than 73% of U.S. places
Recorded about 11 times a year in the area

Cold waves

7% of expected damage
Well below average · higher than 20% 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 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesLightningDrought

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 Chaffee flood?

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

2paid claims since 1993
$11Kpaid to owners
0homes flooded more than once
19932026

Biggest named events

  • Midwest Flooding: 1 claim, $8K
  • March storm: 1 claim, $2K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Chaffee isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Scott County.
Disasters that hit Chaffee

9 federal disasters brought FEMA money here

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

Brought FEMA money into ChaffeeDeclared for Scott County only
2025

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

10 households applied for aid $23K aid approved
2024

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

1 household applied for aid
2015

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

6 households applied for aid $3K aid approved
2011

Severe Storms, Tornadoes, and Flooding

24 households applied for aid $58K aid approved $16K to the City of Chaffee for repairs
2009

Severe Winter Storm

$28K to the City of Chaffee for repairs
2008

Severe Storms, Flooding, and a Tornado

$29K to the City of Chaffee for repairs
2008

Severe Storms and Flooding

79 households applied for aid $231K aid approved $44K to the City of Chaffee for repairs
2008

Severe Winter Storms and Flooding

$23K to the City of Chaffee for repairs
2003

Severe Storms, Tornadoes, and Flooding

2 households applied for aid $5K to the City of Chaffee for repairs
Scott County has had 25 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. Chaffee 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 Chaffee’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Chaffee. 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.

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