Natural hazards · Elmer

Elmer, MO natural hazards

Most of the natural-hazard damage FEMA expects in Elmer comes from inland flooding, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Elmer?

High

vs. U.S. communities

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

Inland flooding60%Tornadoes16%Drought5%Everything else19%

By hazard

What Elmer faces

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

Inland flooding

60% of expected damage

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

Recorded about once a year in the area

Tornadoes

16% of expected damage

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

Recorded about once every 7 years in the area

Drought

5% of expected damage

Recorded about 10 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Elmer flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Macon County.

Disasters that hit Elmer

Federal disasters declared here

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

Brought FEMA money into ElmerDeclared for Macon County only

Macon County has had 20 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. Elmer 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 Elmer’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Elmer. 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.