Natural hazards · Freeman

Freeman, MO natural hazards

Most of the natural-hazard damage FEMA expects in Freeman comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 22 claims here since 1984. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Freeman?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Freeman to be higher than in 57% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding49%Tornadoes17%Cold waves12%Hail6%Heat waves6%Strong wind5%Everything else4%

By hazard

What Freeman faces

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

Inland flooding

49% of expected damage

Above average · higher than 69% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

17% of expected damage

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

Recorded about once every 12 years in the area

Cold waves

12% of expected damage

Below average · higher than 35% of U.S. places

Recorded about 2 times a year in the area

Hail

6% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 9 times a year in the area

Heat waves

6% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 15 times a year in the area

Strong wind

5% of expected damage

Below average · higher than 41% of U.S. places

Recorded about 7 times a year in the area

Lower here

HurricanesIce stormsWinter weatherWildfireEarthquakesLandslidesLightningDrought

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 Freeman flood?

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

22paid claims since 1984

$310Kpaid to owners

3homes flooded more than once

19842026

Biggest named events

Midwest Flooding: 1 claim, $9K

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. Freeman isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Cass County.

What’s been done with FEMA grants

4flood-prone properties bought out and cleared

Disasters that hit Freeman

4 federal disasters brought FEMA money here

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

Brought FEMA money into FreemanDeclared for Cass County only

2011

Severe Winter Storm and Snowstorm

$1K to the City of Freeman for repairs

2004

Severe Storms, Tornadoes, and Flooding

43 households applied for aid $195K aid approved

2003

Severe Storms, Tornadoes, and Flooding

9 households applied for aid $8K aid approved

2002

Severe Winter Ice Storm

$9K to the City of Freeman for repairs

Cass County has had 18 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. Freeman 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 Freeman’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Freeman. 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.

Freeman, MO natural hazards

How exposed is Freeman?

What Freeman faces

Inland flooding

Tornadoes

Cold waves

Hail

Heat waves

Strong wind

Lower here

Not a risk here

Does Freeman flood?

Biggest named events

Homes that flooded again and again

What’s been done with FEMA grants

4 federal disasters brought FEMA money here

Severe Winter Storm and Snowstorm

Severe Storms, Tornadoes, and Flooding

Severe Storms, Tornadoes, and Flooding

Severe Winter Ice Storm

How to read this page

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