Natural hazards · Fredericktown

Fredericktown, MO natural hazards

Most of the natural-hazard damage FEMA expects in Fredericktown comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 119 claims here since 1981. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Fredericktown?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fredericktown to be higher than in 87% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding44%Earthquakes18%Cold waves14%Heat waves10%Tornadoes8%Everything else6%

By hazard

What Fredericktown faces

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

Inland flooding

44% of expected damage

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

Recorded about once a year in the area

Earthquakes

18% of expected damage

Well above average · higher than 86% of U.S. places

Cold waves

14% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about once a year in the area

Heat waves

10% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about 11 times a year in the area

Tornadoes

8% of expected damage

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

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesStrong 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 Fredericktown flood?

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

119paid claims since 1981

$2.8Mpaid to owners

14homes flooded more than once

19812026

Biggest named events

Not a named storm: 3 claims, $7K
March storm: 1 claim, $1K
Late spring severe storms: 1 claim, $3K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Madison County.

What’s been done with FEMA grants

123flood-prone properties bought out and cleared

2storm safe rooms built

Disasters that hit Fredericktown

7 federal disasters brought FEMA money here

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

Brought FEMA money into FredericktownDeclared for Madison County only

2017

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

46 households applied for aid $90K aid approved

2011

Severe Storms, Tornadoes, and Flooding

1 household applied for aid $54 aid approved $28K to the City of Fredericktown for repairs

2009

Severe Storms, Tornadoes, and Flooding

910 households applied for aid $1.2M aid approved $677K to the City of Fredericktown for repairs

2009

Severe Winter Storm

$19K to the City of Fredericktown for repairs

2008

Severe Storms, Flooding, and a Tornado

$51K to the City of Fredericktown for repairs

2008

Severe Storms and Flooding

51 households applied for aid $61K aid approved $33K to the City of Fredericktown for repairs

2008

Severe Winter Storms and Flooding

$14K to the City of Fredericktown for repairs

Madison 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. Fredericktown 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 Fredericktown’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Fredericktown. 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.

Fredericktown, MO natural hazards

How exposed is Fredericktown?

What Fredericktown faces

Inland flooding

Earthquakes

Cold waves

Heat waves

Tornadoes

Lower here

Not a risk here

Does Fredericktown flood?

Biggest named events

Homes that flooded again and again

What’s been done with FEMA grants

7 federal disasters brought FEMA money here

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

Severe Storms, Tornadoes, and Flooding

Severe Storms, Tornadoes, and Flooding

Severe Winter Storm

Severe Storms, Flooding, and a Tornado

Severe Storms and Flooding

Severe Winter Storms and Flooding

How to read this page

Where to, neighbor?

Matches

Nearby