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Natural hazards · Chillicothe

Chillicothe, MO natural hazards

Most of the natural-hazard damage FEMA expects in Chillicothe comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 15 claims here since 1982. 5 federal disasters brought FEMA money into town.

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

How exposed is Chillicothe?

40
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Chillicothe to be higher than in 40% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding37%Tornadoes33%Cold waves12%Heat waves8%Everything else10%
By hazard

What Chillicothe faces

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

Inland flooding

37% of expected damage
Above average · higher than 53% of U.S. places
Recorded about 3 times a year in the area

Tornadoes

33% of expected damage
Well above average · higher than 94% of U.S. places

Cold waves

12% of expected damage
Above average · higher than 71% of U.S. places
Recorded about 4 times a year in the area

Heat waves

8% of expected damage
Well above average · higher than 98% of U.S. places
Recorded about 10 times a year in the area

Lower here

HailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 Chillicothe flood?

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

15paid claims since 1982
$228Kpaid to owners
2homes flooded more than once
19822026

Biggest named events

  • Late spring storms: 1 claim, $2K
  • Midwest Flooding: 1 claim, $13K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of all homes
are insured
No community discount. Chillicothe isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Livingston County.

What’s been done with FEMA grants

1storm safe rooms built
Disasters that hit Chillicothe

5 federal disasters brought FEMA money here

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

Brought FEMA money into ChillicotheDeclared for Livingston County only
2019

Severe Storms, Tornadoes, and Flooding

24 households applied for aid $172K aid approved
2011

Severe Winter Storm and Snowstorm

$11K to the City of Chillicothe for repairs
2008

Severe Storms and Flooding

7 households applied for aid $40K aid approved
2007

Severe Storms and Flooding

14 households applied for aid $109K aid approved
2004

Severe Storms, Tornadoes, and Flooding

39 households applied for aid $21K aid approved
Livingston County has had 20 natural disasters declared since 1953, most often severe storms and ice storms.
Around Chillicothe

Chillicothe and the towns around it

Chillicothe: Moderate, mostly inland floodingRich Hill: Moderate, mostly inland floodingFairview: High, mostly inland floodingJackson: High, mostly inland floodingGreen: High, mostly inland floodingGrand River: High, mostly inland floodingWheeling: Moderate, mostly inland floodingCream Ridge: Moderate, mostly inland floodingMedicine: Moderate, mostly inland floodingChillicothe: Moderate, mostly inland flooding ChillicotheChillicotheRich Hill
Very lowLowModerateHighVery high
Rich Hillmostly inland floodingModerate
Chillicothemostly inland floodingModerate
Chillicothemostly inland floodingModerate
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. Chillicothe covers 3 census tracts, combined by population.
Money that reached townFlood claims are matched to Chillicothe’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Chillicothe. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Chillicothe total about $3.9M a year, counting buildings, people and crops.

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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