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Natural hazards · Elsberry

Elsberry, MO natural hazards

Most of the natural-hazard damage FEMA expects in Elsberry comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 54 claims here since 1979. 7 federal disasters brought FEMA money into town.

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

How exposed is Elsberry?

70
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Elsberry to be higher than in 70% of U.S. communities, mostly from inland flooding.

Inland flooding51%Heat waves14%Tornadoes11%Cold waves8%Earthquakes5%Strong wind5%Everything else6%
By hazard

What Elsberry 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 84% of U.S. places
Recorded about 2 times a year in the area

Heat waves

14% of expected damage
Above average · higher than 62% of U.S. places
Recorded about 12 times a year in the area

Tornadoes

11% of expected damage
Well above average · higher than 75% of U.S. places
Recorded about once every 13 years in the area

Cold waves

8% of expected damage
Above average · higher than 53% of U.S. places
Recorded about 2 times a year in the area

Earthquakes

5% of expected damage
Well above average · higher than 75% of U.S. places

Strong wind

5% of expected damage
Well above average · higher than 75% of U.S. places
Recorded about 6 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesLightningDrought

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 Elsberry flood?

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

54paid claims since 1979
$596Kpaid to owners
6homes flooded more than once
19792026

Biggest named events

  • Midwest Flooding: 6 claims, $129K
  • Not a named storm: 4 claims, $5K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Elsberry isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Lincoln County.

What’s been done with FEMA grants

104flood-prone properties bought out and cleared
Disasters that hit Elsberry

7 federal disasters brought FEMA money here

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

Brought FEMA money into ElsberryDeclared for Lincoln County only
2019

Severe Storms, Tornadoes, and Flooding

23 households applied for aid $59K aid approved $19K to the City of Elsberry for repairs
2015

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

5 households applied for aid $34K aid approved $67K to the City of Elsberry for repairs
2008

Severe Storms, Flooding, and a Tornado

1 household applied for aid
2008

Severe Storms and Flooding

82 households applied for aid $291K aid approved $23K to the City of Elsberry for repairs
2007

Severe Winter Storms

$2K to the City of Elsberry for repairs
2003

Severe Storms, Tornadoes, and Flooding

1 household applied for aid
2002

Severe Storms, Tornadoes and Flooding

$19K to the City of Elsberry for repairs
Lincoln County has had 22 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. Elsberry 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 Elsberry’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Elsberry. 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.

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