Natural hazards · Charmwood

Charmwood, MO natural hazards

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

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

Expected damage

How exposed is Charmwood?

High

vs. U.S. communities

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

Inland flooding53%Tornadoes12%Earthquakes10%Heat waves10%Cold waves6%Strong wind5%Everything else5%

By hazard

What Charmwood faces

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

Inland flooding

53% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

12% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about once every 14 years in the area

Earthquakes

10% of expected damage

Well above average · higher than 80% of U.S. places

Heat waves

10% of expected damage

Above average · higher than 60% of U.S. places

Recorded about 12 times a year in the area

Cold waves

6% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about 2 times a year in the area

Strong wind

5% of expected damage

Well below average · higher than 15% of U.S. places

Recorded about 5 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 Charmwood flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Franklin County.

Disasters that hit Charmwood

Federal disasters declared here

None of the disasters declared for Franklin County shows FEMA aid or repair money reaching Charmwood itself in FEMA’s records.

Brought FEMA money into CharmwoodDeclared for Franklin County only

Franklin County has had 21 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. Charmwood 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 Charmwood’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Charmwood. 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.