Natural hazards · Combs

Combs, MO natural hazards

Most of the natural-hazard damage FEMA expects in Combs comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 19 claims here since 1993.

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

Expected damage

How exposed is Combs?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Combs to be higher than in 46% of U.S. communities, mostly from inland flooding.

Inland flooding58%Tornadoes12%Drought12%Cold waves9%Everything else9%

By hazard

What Combs faces

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

Inland flooding

58% of expected damage

Above average · higher than 62% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

12% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about once every 7 years in the area

Drought

12% of expected damage

Recorded about 12 times a year in the area

Cold waves

9% of expected damage

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

Recorded about 3 times a year in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Combs flood?

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

19paid claims since 1993

$305Kpaid to owners

0homes flooded more than once

19932026

Biggest named events

Late spring storms: 4 claims, $64K
Midwest Flooding: 3 claims, $48K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Carroll County.

Disasters that hit Combs

Federal disasters declared here

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

Brought FEMA money into CombsDeclared for Carroll County only

Carroll County has had 25 natural disasters declared since 1953, most often severe storms and floods.

Around Combs

Combs and the towns around it

Very lowLowModerateHighVery high

Combsmostly inland floodingModerate

De Wittmostly inland floodingModerate

Ridgemostly inland floodingModerate

Carrolltonmostly inland floodingModerate

Eugenemostly 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. Combs covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Combs’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Combs. 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 Combs total about $3.1M 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.