Natural hazards · Excelsior Estates

Excelsior Estates, MO natural hazards

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

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

Expected damage

How exposed is Excelsior Estates?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Excelsior Estates to be higher than in 32% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding35%Cold waves29%Tornadoes14%Heat waves9%Everything else13%

By hazard

What Excelsior Estates faces

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

Inland flooding

35% of expected damage

Below average · higher than 47% of U.S. places

Recorded about 2 times a year in the area

Cold waves

29% of expected damage

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

Recorded about 3 times a year in the area

Tornadoes

14% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about once every 28 years in the area

Heat waves

9% 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 Excelsior Estates flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Excelsior Estates 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 Excelsior Estates

Federal disasters declared here

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

Brought FEMA money into Excelsior EstatesDeclared for Ray County only

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. Excelsior Estates 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 Excelsior Estates’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Excelsior Estates. 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.