Natural hazards · Cherokee Pass

Cherokee Pass, MO natural hazards

Most of the natural-hazard damage FEMA expects in Cherokee Pass 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 Cherokee Pass?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cherokee Pass to be higher than in 94% of U.S. communities, mostly from inland flooding.

Inland flooding56%Cold waves15%Heat waves10%Earthquakes7%Tornadoes6%Everything else5%

By hazard

What Cherokee Pass 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

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

Recorded about once a year in the area

Cold waves

15% of expected damage

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

Recorded about once a year in the area

Heat waves

10% of expected damage

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

Recorded about 11 times a year in the area

Earthquakes

7% of expected damage

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

Tornadoes

6% of expected damage

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

Recorded about once every 5 years in the area

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 Cherokee Pass flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Madison County.

Disasters that hit Cherokee Pass

Federal disasters declared here

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

Brought FEMA money into Cherokee PassDeclared for Madison County only

Madison County has had 22 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. Cherokee Pass 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 Cherokee Pass’s own flood-insurance community; household aid to the registrant’s city; repair grants to Cherokee Pass. 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.