Natural hazards · Emma

Emma, MO natural hazards

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

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

Expected damage

How exposed is Emma?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Emma to be higher than in 42% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding39%Cold waves32%Tornadoes11%Heat waves6%Everything else12%

By hazard

What Emma faces

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

Inland flooding

39% of expected damage

Above average · higher than 60% of U.S. places

Recorded about 3 times a year in the area

Cold waves

32% of expected damage

Above average · higher than 53% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

11% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 20 years in the area

Heat waves

6% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 13 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightningDrought

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 Emma flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lafayette County.

Disasters that hit Emma

Federal disasters declared here

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

Brought FEMA money into EmmaDeclared for Lafayette County only

Lafayette County has had 21 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. Emma 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 Emma’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Emma. 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.