Natural hazards · Cleveland

Cleveland, MO natural hazards

Most of the natural-hazard damage FEMA expects in Cleveland comes from inland flooding, and overall the risk is moderate for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Cleveland?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cleveland to be higher than in 57% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding46%Tornadoes19%Cold waves13%Heat waves7%Hail6%Strong wind6%Everything else4%

By hazard

What Cleveland faces

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

Inland flooding

46% of expected damage

Above average · higher than 69% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

19% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once every 30 years in the area

Cold waves

13% of expected damage

Below average · higher than 35% of U.S. places

Recorded about 2 times a year in the area

Heat waves

7% of expected damage

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

Recorded about 15 times a year in the area

Hail

6% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 9 times a year in the area

Strong wind

6% of expected damage

Below average · higher than 41% of U.S. places

Recorded about 7 times a year in the area

Lower here

HurricanesIce stormsWinter weatherWildfireEarthquakesLandslidesLightningDrought

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 Cleveland flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Cass County.

Disasters that hit Cleveland

3 federal disasters brought FEMA money here

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

Brought FEMA money into ClevelandDeclared for Cass County only

2011

Severe Winter Storm and Snowstorm

$2K to the City of Cleveland for repairs

2004

Severe Storms, Tornadoes, and Flooding

2 households applied for aid $4K aid approved

2002

Severe Winter Ice Storm

$20K to the City of Cleveland for repairs

Cass County has had 18 natural disasters declared since 1953, most often severe storms and ice storms.

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. Cleveland 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 Cleveland’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Cleveland. 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.