Natural hazards · Gower

Gower, MO natural hazards

Most of the natural-hazard damage FEMA expects in Gower comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 1984. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Gower?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gower to be higher than in 58% of U.S. communities, mostly from inland flooding.

Inland flooding60%Tornadoes14%Cold waves10%Hail5%Everything else11%

By hazard

What Gower faces

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

Inland flooding

60% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once a year in the area

Tornadoes

14% of expected damage

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

Recorded about once every 11 years in the area

Cold waves

10% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 3 times a year in the area

Hail

5% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about 9 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 Gower flood?

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

1paid claims since 1984

$10Kpaid to owners

0homes flooded more than once

19842026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Clinton County.

Disasters that hit Gower

1 federal disaster brought FEMA money here

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

Brought FEMA money into GowerDeclared for Clinton County only

2007

Severe Winter Storms

$879 to the City of Gower for repairs

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