Natural hazards · Gray Summit

Gray Summit, MO natural hazards

Most of the natural-hazard damage FEMA expects in Gray Summit 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 Gray Summit?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gray Summit to be higher than in 63% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding47%Tornadoes15%Heat waves12%Strong wind7%Cold waves7%Earthquakes6%Everything else6%

By hazard

What Gray Summit 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 76% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

15% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 66 years in the area

Heat waves

12% of expected damage

Above average · higher than 60% of U.S. places

Recorded about 12 times a year in the area

Strong wind

7% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about 6 times a year in the area

Cold waves

7% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about 2 times a year in the area

Earthquakes

6% of expected damage

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

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesLightningDrought

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 Gray Summit flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Franklin County.

Disasters that hit Gray Summit

2 federal disasters brought FEMA money here

Disasters the President declared that paid out in Gray Summit itself: aid to households, or repair grants to Gray Summit.

Brought FEMA money into Gray SummitDeclared for Franklin County only

2025

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

3 households applied for aid $770 aid approved

2015

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

4 households applied for aid $47K aid approved

Franklin County has had 21 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. Gray Summit 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 Gray Summit’s own flood-insurance community; household aid to the registrant’s city; repair grants to Gray Summit. 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.