Natural hazards · Crystal Lakes

Crystal Lakes, MO natural hazards

Most of the natural-hazard damage FEMA expects in Crystal Lakes 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 Crystal Lakes?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Crystal Lakes to be higher than in 59% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding51%Cold waves21%Tornadoes10%Heat waves6%Everything else12%

By hazard

What Crystal Lakes faces

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

Inland flooding

51% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about 2 times a year in the area

Cold waves

21% of expected damage

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

Recorded about 3 times a year in the area

Tornadoes

10% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 14 years in the area

Heat waves

6% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 12 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 Crystal Lakes flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Ray County.

Disasters that hit Crystal Lakes

3 federal disasters brought FEMA money here

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

Brought FEMA money into Crystal LakesDeclared for Ray County only

2015

Severe Storms, Tornadoes, Straight-Line Winds, and Flooding

$108K to the City of Crystal Lakes for repairs

2011

Severe Winter Storm and Snowstorm

$15K to the City of Crystal Lakes for repairs

2009

Severe Storms, Tornadoes, and Flooding

$52K to the City of Crystal Lakes for repairs

Ray County has had 29 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. Crystal Lakes 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 Crystal Lakes’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Crystal Lakes. 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.