Natural hazards · Cosby

Cosby, MO natural hazards

Most of the natural-hazard damage FEMA expects in Cosby comes from inland flooding, and overall the risk is moderate for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Cosby?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cosby to be higher than in 44% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding36%Tornadoes32%Cold waves12%Heat waves5%Everything else15%

By hazard

What Cosby faces

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

Inland flooding

36% of expected damage

Below average · higher than 44% of U.S. places

Recorded about once a year in the area

Tornadoes

32% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 23 years in the area

Cold waves

12% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about 4 times a year in the area

Heat waves

5% of expected damage

Well above average · among the top 1% 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 Cosby flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Andrew County.

Disasters that hit Cosby

2 federal disasters brought FEMA money here

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

Brought FEMA money into CosbyDeclared for Andrew County only

2019

Severe Storms, Tornadoes, and Flooding

1 household applied for aid $750 aid approved

2007

Severe Storms and Flooding

1 household applied for aid

Andrew County has had 27 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. Cosby 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 Cosby’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Cosby. 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.