Natural hazards · Galena

Galena, MO natural hazards

Most of the natural-hazard damage FEMA expects in Galena comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 9 claims here since 2008. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Galena?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Galena to be higher than in 81% of U.S. communities, mostly from inland flooding and strong winds.

Inland flooding47%Strong wind32%Tornadoes6%Everything else15%

By hazard

What Galena faces

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

Inland flooding

47% of expected damage

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

Recorded about 3 times a year in the area

Strong wind

32% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

6% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 18 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Galena flood?

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

9paid claims since 2008

$349Kpaid to owners

4homes flooded more than once

20082026

Biggest named events

Late spring severe storms: 4 claims, $183K
Early winter storms: 3 claims, $88K
March storm: 2 claims, $78K

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

Insurance rates: Stone County.

Disasters that hit Galena

7 federal disasters brought FEMA money here

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

Brought FEMA money into GalenaDeclared for Stone County only

2017

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

26 households applied for aid $25K aid approved $66K to the City of Galena for repairs

2015

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

13 households applied for aid $66K aid approved $41K to the City of Galena for repairs

2011

Severe Storms, Tornadoes, and Flooding

11 households applied for aid $39K aid approved

2009

Severe Winter Storm

$3K to the City of Galena for repairs

2008

Severe Storms, Flooding, and a Tornado

15 households applied for aid $21K aid approved

2008

Severe Storms and Flooding

61 households applied for aid $395K aid approved $23K to the City of Galena for repairs

2003

Severe Storms, Tornadoes, and Flooding

1 household applied for aid $4K aid approved

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