Natural hazards · Higginsville

Higginsville, MO natural hazards

Most of the natural-hazard damage FEMA expects in Higginsville comes from cold waves, and overall the risk is very low for a U.S. community. Flood insurance has paid 1 claim here since 1979. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Higginsville?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Higginsville to be higher than in 19% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves44%Inland flooding21%Tornadoes15%Heat waves9%Everything else12%

By hazard

What Higginsville faces

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

Cold waves

44% of expected damage

Above average · higher than 53% of U.S. places

Recorded about 2 times a year in the area

Inland flooding

21% of expected damage

Well below average · higher than 23% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

15% of expected damage

Well above average · higher than 88% of U.S. places

Heat waves

9% of expected damage

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

Recorded about 13 times a year in the area

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 Higginsville flood?

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

1paid claims since 1979

$823paid to owners

0homes flooded more than once

19792026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lafayette County.

Disasters that hit Higginsville

4 federal disasters brought FEMA money here

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

Brought FEMA money into HigginsvilleDeclared for Lafayette County only

2015

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

$11K to the City of Higginsville for repairs

2011

Flooding

1 household applied for aid $18K aid approved

2011

Severe Winter Storm and Snowstorm

$9K to the City of Higginsville for repairs

2002

Severe Winter Ice Storm

$111K to the City of Higginsville for repairs

Lafayette County has had 21 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. Higginsville covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Higginsville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Higginsville. 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 Higginsville total about $1.5M 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.