Natural hazards · Galt

Galt, MO natural hazards

Most of the natural-hazard damage FEMA expects in Galt comes from inland flooding, and overall the risk is moderate for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Galt?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Galt to be higher than in 49% of U.S. communities, mostly from inland flooding and drought.

Inland flooding33%Drought25%Tornadoes18%Cold waves11%Heat waves5%Everything else8%

By hazard

What Galt faces

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

Inland flooding

33% of expected damage

Above average · higher than 61% of U.S. places

Recorded about once a year in the area

Drought

25% of expected damage

Recorded about 16 times a year in the area

Tornadoes

18% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about once every 9 years in the area

Cold waves

11% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about 4 times a year in the area

Heat waves

5% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 9 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightning

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 Galt flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Grundy County.

Disasters that hit Galt

3 federal disasters brought FEMA money here

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

Brought FEMA money into GaltDeclared for Grundy County only

2021

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

$18K to the City of Galt for repairs

2007

Severe Winter Storms

$6K to the City of Galt for repairs

2004

Severe Storms, Tornadoes, and Flooding

3 households applied for aid $2K aid approved

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