Natural hazards · Chilhowee

Chilhowee, MO natural hazards

Most of the natural-hazard damage FEMA expects in Chilhowee comes from inland flooding, and overall the risk is moderate for a U.S. community. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Chilhowee?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Chilhowee to be higher than in 45% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding50%Cold waves21%Heat waves7%Tornadoes7%Drought6%Everything else9%

By hazard

What Chilhowee faces

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

Inland flooding

50% of expected damage

Above average · higher than 65% of U.S. places

Recorded about 4 times a year in the area

Cold waves

21% of expected damage

Below average · higher than 42% of U.S. places

Recorded about 2 times a year in the area

Heat waves

7% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about 14 times a year in the area

Tornadoes

7% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about once every 7 years in the area

Drought

6% of expected damage

Recorded about 13 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightning

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 Chilhowee flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Johnson County.

Disasters that hit Chilhowee

5 federal disasters brought FEMA money here

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

Brought FEMA money into ChilhoweeDeclared for Johnson County only

2011

Severe Winter Storm and Snowstorm

$1K to the Town of Chilhowee for repairs

2008

Severe Storms and Flooding

2 households applied for aid $14K aid approved

2006

Severe Storms, Tornadoes and Flooding

5 households applied for aid $4K aid approved

2003

Severe Storms, Tornadoes, and Flooding

1 household applied for aid

2002

Severe Winter Ice Storm

$2K to the Town of Chilhowee for repairs

Johnson County has had 18 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. Chilhowee 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 Chilhowee’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Chilhowee. 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.