Natural hazards · Hillsdale

Hillsdale, MO natural hazards

Most of the natural-hazard damage FEMA expects in Hillsdale comes from heat waves, and overall the risk is moderate 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 Hillsdale?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hillsdale to be higher than in 48% of U.S. communities, mostly from heat waves and earthquakes.

Heat waves38%Earthquakes31%Inland flooding15%Cold waves6%Everything else10%

By hazard

What Hillsdale faces

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

Heat waves

38% of expected damage

Above average · higher than 64% of U.S. places

Recorded about 15 times a year in the area

Earthquakes

31% of expected damage

Well above average · higher than 85% of U.S. places

Inland flooding

15% of expected damage

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

Recorded about 3 times a year in the area

Cold waves

6% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherWildfireLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Hillsdale flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: St. Louis County.

Disasters that hit Hillsdale

2 federal disasters brought FEMA money here

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

Brought FEMA money into HillsdaleDeclared for St. Louis County only

2022

Severe Storms and Flooding

5 households applied for aid $7K aid approved

2015

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

1 household applied for aid

St. Louis County has had 29 natural disasters declared since 1953, most often severe storms and floods.

Around Hillsdale

Hillsdale and the towns around it

Very lowLowModerateHighVery high

Hillsdalemostly heat wavesModerate

Velda Village Hillsmostly heat wavesModerate

Velda Citymostly heat wavesModerate

Pine Lawnmostly heat wavesModerate

Normandymostly earthquakesModerate

Wellstonmostly earthquakesLow

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