Natural hazards · Fulton

Fulton, MO natural hazards

Most of the natural-hazard damage FEMA expects in Fulton comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 34 claims here since 1978. 9 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Fulton?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fulton to be higher than in 43% of U.S. communities, mostly from inland flooding.

Inland flooding48%Heat waves13%Earthquakes11%Tornadoes10%Cold waves7%Everything else11%

By hazard

What Fulton faces

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

Inland flooding

48% of expected damage

Above average · higher than 56% of U.S. places

Recorded about 2 times a year in the area

Heat waves

13% of expected damage

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

Recorded about 12 times a year in the area

Earthquakes

11% of expected damage

Well above average · higher than 78% of U.S. places

Tornadoes

10% of expected damage

Above average · higher than 63% of U.S. places

Cold waves

7% of expected damage

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

Recorded about 2 times a year in the area

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 Fulton flood?

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

34paid claims since 1978

$221Kpaid to owners

4homes flooded more than once

19782026

Biggest named events

Hurricane Ike: 6 claims, $63K
Midwest Flooding: 6 claims, $55K
Late spring severe storms: 1 claim, $6K

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

Insurance rates: Callaway County.

Disasters that hit Fulton

9 federal disasters brought FEMA money here

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

Brought FEMA money into FultonDeclared for Callaway County only

2021

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

$61K to the City of Fulton for repairs

2019

Severe Storms, Tornadoes, and Flooding

2 households applied for aid $5K aid approved

2011

Severe Winter Storm and Snowstorm

$28K to the City of Fulton for repairs

2008

Severe Storms, Flooding, and a Tornado

10 households applied for aid $10K aid approved $64K to the City of Fulton for repairs

2008

Severe Storms and Flooding

5 households applied for aid $8K aid approved

2007

Severe Winter Storms

$257K to the City of Fulton for repairs

2007

Severe Winter Storms and Flooding

$17K to the City of Fulton for repairs

2006

Severe Winter Storms

$13K to the City of Fulton for repairs

2003

Severe Storms, Tornadoes, and Flooding

1 household applied for aid

Callaway County has had 24 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. Fulton covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Fulton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Fulton. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Fulton total about $3.2M a year, counting buildings, people and crops.

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.