Natural hazards · Hermann

Hermann, MO natural hazards

Most of the natural-hazard damage FEMA expects in Hermann comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 148 claims here since 1978. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hermann?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hermann to be higher than in 91% of U.S. communities, mostly from inland flooding.

Inland flooding71%Heat waves10%Cold waves6%Tornadoes5%Everything else9%

By hazard

What Hermann faces

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

Inland flooding

71% of expected damage

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

Recorded about once a year in the area

Heat waves

10% of expected damage

Below average · higher than 46% of U.S. places

Recorded about 12 times a year in the area

Cold waves

6% of expected damage

Below average · higher than 34% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

5% of expected damage

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

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightningDrought

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 Hermann flood?

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

148paid claims since 1978

$3.6Mpaid to owners

15homes flooded more than once

19782026

Biggest named events

Midwest Flooding: 43 claims, $1.5M
Early winter storms: 10 claims, $226K
Late spring severe storms: 10 claims, $182K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (7) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Gasconade County.

What’s been done with FEMA grants

21flood-prone properties bought out and cleared

Disasters that hit Hermann

4 federal disasters brought FEMA money here

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

Brought FEMA money into HermannDeclared for Gasconade County only

2019

Severe Storms, Tornadoes, and Flooding

$130K to the City of Hermann for repairs

2017

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

23 households applied for aid $202K aid approved

2015

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

21 households applied for aid $84K aid approved $66K to the City of Hermann for repairs

2008

Severe Storms and Flooding

4 households applied for aid $2K aid approved

Gasconade County has had 18 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. Hermann 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 Hermann’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Hermann. 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.