Natural hazards · Hardin

Hardin, MO natural hazards

Most of the natural-hazard damage FEMA expects in Hardin comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 85 claims here since 1979. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hardin?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hardin to be higher than in 52% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding57%Cold waves16%Drought8%Tornadoes8%Everything else12%

By hazard

What Hardin faces

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

Inland flooding

57% of expected damage

Above average · higher than 69% of U.S. places

Recorded about 2 times a year in the area

Cold waves

16% of expected damage

Above average · higher than 65% of U.S. places

Recorded about 3 times a year in the area

Drought

8% of expected damage

Recorded about 16 times a year in the area

Tornadoes

8% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 6 years 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 Hardin flood?

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

85paid claims since 1979

$817Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

Midwest Flooding: 78 claims, $785K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Ray County.

Disasters that hit Hardin

3 federal disasters brought FEMA money here

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

Brought FEMA money into HardinDeclared for Ray County only

2019

Severe Storms, Tornadoes, and Flooding

$76K to the City of Hardin for repairs

2011

Severe Winter Storm and Snowstorm

$1K to the City of Hardin for repairs

2002

Severe Winter Ice Storm

$6K to the City of Hardin for repairs

Ray County has had 29 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. Hardin 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 Hardin’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Hardin. 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.