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Natural hazards · Hannibal

Hannibal, MO natural hazards

Most of the natural-hazard damage FEMA expects in Hannibal comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 247 claims here since 1979. 10 federal disasters brought FEMA money into town.

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

How exposed is Hannibal?

82
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hannibal to be higher than in 82% of U.S. communities, mostly from inland flooding.

Inland flooding66%Heat waves9%Cold waves8%Tornadoes6%Strong wind5%Everything else6%
By hazard

What Hannibal faces

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

Inland flooding

66% of expected damage
Well above average · higher than 94% of U.S. places
Recorded about once a year in the area

Heat waves

9% of expected damage
Well above average · higher than 91% of U.S. places
Recorded about 9 times a year in the area

Cold waves

8% of expected damage
Above average · higher than 60% of U.S. places
Recorded about 4 times a year in the area

Tornadoes

6% of expected damage
Above average · higher than 74% of U.S. places

Strong wind

5% of expected damage
Well above average · higher than 92% of U.S. places
Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesLightningDrought

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 Hannibal flood?

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

247paid claims since 1979
$4.4Mpaid to owners
10homes flooded more than once
19792026

Biggest named events

  • Midwest Flooding: 31 claims, $1.0M
  • Not a named storm: 2 claims, $2K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
🏷️ 05% off flood insurance. Hannibal is in FEMA’s Community Rating System (class 9) for its flood-proofing work.
Insurance rates: Marion County.

What’s been done with FEMA grants

156flood-prone properties bought out and cleared
1flood-prone homes bought out and moved
1storm safe rooms built
Disasters that hit Hannibal

10 federal disasters brought FEMA money here

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

Brought FEMA money into HannibalDeclared for Marion County only
2019

Severe Storms, Tornadoes, and Flooding

$284K to the City of Hannibal for repairs
2015

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

$13K to the City of Hannibal for repairs
2013

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

$98K to the City of Hannibal for repairs
2011

Severe Winter Storm and Snowstorm

$59K to the City of Hannibal for repairs
2010

Severe Storms, Flooding, and Tornadoes

$81K to the City of Hannibal for repairs
2009

Severe Storms, Tornadoes, and Flooding

$2K to the City of Hannibal for repairs
2008

Severe Storms, Flooding, and a Tornado

9 households applied for aid $2K aid approved
2008

Severe Storms and Flooding

75 households applied for aid $135K aid approved $569K to the City of Hannibal for repairs
2006

Severe Winter Storms

$38K to the City of Hannibal for repairs
2003

Severe Storms, Tornadoes, and Flooding

1 household applied for aid
Marion County has had 20 natural disasters declared since 1953, most often severe storms and ice storms.
Around Hannibal

Hannibal and the towns around it

Levee: Very high, mostly inland floodingFall Creek: High, mostly inland floodingKinderhook: Very high, mostly inland floodingCincinnati: Very high, mostly inland floodingHannibal: Very high, mostly inland flooding HannibalLevee
Very lowLowModerateHighVery high
Leveemostly inland floodingVery high
Hannibalmostly inland floodingVery high
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. Hannibal covers 4 census tracts, combined by population.
Money that reached townFlood claims are matched to Hannibal’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Hannibal. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Hannibal total about $7.8M a year, counting buildings, people and crops.

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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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