Natural hazards · Hamilton

Hamilton, MO natural hazards

Most of the natural-hazard damage FEMA expects in Hamilton 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 Hamilton?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hamilton to be higher than in 40% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding40%Cold waves21%Tornadoes15%Heat waves8%Everything else15%

By hazard

What Hamilton faces

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

Inland flooding

40% of expected damage

Above average · higher than 56% of U.S. places

Recorded about once every 2 years in the area

Cold waves

21% of expected damage

Above average · higher than 73% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

15% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about once every 27 years in the area

Heat waves

8% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 11 times a year in the area

Lower here

HailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Hamilton flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Caldwell County.

Disasters that hit Hamilton

3 federal disasters brought FEMA money here

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

Brought FEMA money into HamiltonDeclared for Caldwell County only

2011

Severe Winter Storm and Snowstorm

$1K to the City of Hamilton for repairs

2007

Severe Winter Storms

$17K to the City of Hamilton for repairs

2004

Severe Storms, Tornadoes, and Flooding

1 household applied for aid

Caldwell County has had 20 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. Hamilton 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 Hamilton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Hamilton. 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.