Natural hazards · Harwood

Harwood, MO natural hazards

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

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harwood to be higher than in 71% of U.S. communities, mostly from inland flooding and drought.

Inland flooding41%Drought28%Cold waves10%Tornadoes7%Heat waves6%Everything else9%

By hazard

What Harwood faces

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

Inland flooding

41% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about 3 times a year in the area

Drought

28% of expected damage

Recorded about 15 times a year in the area

Cold waves

10% of expected damage

Below average · higher than 42% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

7% of expected damage

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

Recorded about once every 6 years in the area

Heat waves

6% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 16 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightning

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 Harwood flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Vernon County.

Disasters that hit Harwood

2 federal disasters brought FEMA money here

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

Brought FEMA money into HarwoodDeclared for Vernon County only

2008

Severe Storms and Flooding

$8K to the Village of Harwood for repairs

2002

Severe Storms, Tornadoes and Flooding

$42K to the Village of Harwood for repairs

Vernon County has had 22 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. Harwood 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 Harwood’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Harwood. 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.