Natural hazards · Hartville

Hartville, MO natural hazards

Most of the natural-hazard damage FEMA expects in Hartville comes from inland flooding, and overall the risk is high for a U.S. community. 10 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hartville?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hartville to be higher than in 73% of U.S. communities, mostly from inland flooding.

Inland flooding55%Cold waves14%Heat waves8%Tornadoes7%Strong wind5%Everything else11%

By hazard

What Hartville faces

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

Inland flooding

55% of expected damage

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

Recorded about 5 times a year in the area

Cold waves

14% of expected damage

Below average · higher than 41% of U.S. places

Recorded about 2 times a year in the area

Heat waves

8% of expected damage

Above average · higher than 72% of U.S. places

Recorded about 12 times a year in the area

Tornadoes

7% of expected damage

Above average · higher than 63% of U.S. places

Recorded about once every 8 years in the area

Strong wind

5% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 5 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 Hartville flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Wright County.

What’s been done with FEMA grants

2storm safe rooms built

Disasters that hit Hartville

10 federal disasters brought FEMA money here

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

Brought FEMA money into HartvilleDeclared for Wright County only

2025

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

11 households applied for aid $77K aid approved

2019

Severe Storms, Tornadoes, and Flooding

$20K to the City of Hartville for repairs

2017

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

4 households applied for aid $12K aid approved

2015

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

9 households applied for aid $28K to the City of Hartville for repairs

2011

Severe Storms, Tornadoes, and Flooding

$15K to the City of Hartville for repairs

2008

Severe Storms, Flooding, and a Tornado

$2K to the City of Hartville for repairs

2008

Severe Storms and Flooding

$7K to the City of Hartville for repairs

2008

Severe Winter Storms and Flooding

$3K to the City of Hartville for repairs

2007

Severe Winter Storms and Flooding

$2K to the City of Hartville for repairs

2006

Severe Storms, Tornadoes and Flooding

27 households applied for aid $46K aid approved

Wright County has had 21 natural disasters declared since 1953, most often severe storms and ice storms.

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. Hartville 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 Hartville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Hartville. 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.