Natural hazards · Dearborn

Dearborn, MO natural hazards

Most of the natural-hazard damage FEMA expects in Dearborn comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 1998.

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

Expected damage

How exposed is Dearborn?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Dearborn to be higher than in 61% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding46%Tornadoes17%Cold waves12%Heat waves9%Everything else17%

By hazard

What Dearborn 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

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

Recorded about 3 times a year in the area

Tornadoes

17% of expected damage

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

Recorded about once every 12 years in the area

Cold waves

12% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 3 times a year in the area

Heat waves

9% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 15 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 Dearborn flood?

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

1paid claims since 1998

$1Kpaid to owners

0homes flooded more than once

19982026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Platte County.

Disasters that hit Dearborn

Federal disasters declared here

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

Brought FEMA money into DearbornDeclared for Platte County only

Platte County has had 22 natural disasters declared since 1953, most often floods and severe 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. Dearborn 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 Dearborn’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Dearborn. 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.