Natural hazards · Graham

Graham, MO natural hazards

Most of the natural-hazard damage FEMA expects in Graham comes from inland flooding, and overall the risk is high for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Graham?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Graham to be higher than in 72% of U.S. communities, mostly from inland flooding and drought.

Inland flooding50%Drought17%Tornadoes16%Cold waves6%Everything else11%

By hazard

What Graham faces

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

Inland flooding

50% of expected damage

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

Recorded about once a year in the area

Drought

17% of expected damage

Recorded about 19 times a year in the area

Tornadoes

16% of expected damage

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

Recorded about once every 4 years in the area

Cold waves

6% of expected damage

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

Recorded about 5 times a year in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Graham flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Nodaway County.

Disasters that hit Graham

2 federal disasters brought FEMA money here

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

Brought FEMA money into GrahamDeclared for Nodaway County only

2014

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

$8K to the Town of Graham for repairs

2007

Severe Winter Storms

$10K to the Town of Graham for repairs

Nodaway County has had 19 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. Graham 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 Graham’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Graham. 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.