Natural hazards · Holts Summit

Holts Summit, MO natural hazards

Most of the natural-hazard damage FEMA expects in Holts Summit comes from inland flooding, and overall the risk is low for a U.S. community. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Holts Summit?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Holts Summit to be higher than in 32% of U.S. communities, mostly from inland flooding and heat waves.

Inland flooding44%Heat waves21%Cold waves11%Tornadoes5%Everything else19%

By hazard

What Holts Summit faces

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

Inland flooding

44% of expected damage

Above average · higher than 51% of U.S. places

Recorded about 2 times a year in the area

Heat waves

21% of expected damage

Below average · higher than 35% of U.S. places

Recorded about 12 times a year in the area

Cold waves

11% of expected damage

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

Recorded about 2 times a year in the area

Tornadoes

5% of expected damage

Above average · higher than 51% of U.S. places

Recorded about once every 89 years 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 Holts Summit flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Callaway County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Holts Summit

6 federal disasters brought FEMA money here

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

Brought FEMA money into Holts SummitDeclared for Callaway County only

2019

Severe Storms, Tornadoes, and Flooding

5 households applied for aid $920 aid approved

2011

Severe Winter Storm and Snowstorm

$7K to the City of Holts Summit for repairs

2008

Severe Storms and Flooding

6 households applied for aid $5K aid approved

2007

Severe Winter Storms

$23K to the City of Holts Summit for repairs

2007

Severe Winter Storms and Flooding

$3K to the City of Holts Summit for repairs

2006

Severe Winter Storms

$2K to the City of Holts Summit for repairs

Callaway County has had 24 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. Holts Summit 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 Holts Summit’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Holts Summit. 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.

Holts Summit, MO natural hazards

How exposed is Holts Summit?

What Holts Summit faces

Inland flooding

Heat waves

Cold waves

Tornadoes

Lower here

Not a risk here

Does Holts Summit flood?

What’s been done with FEMA grants

6 federal disasters brought FEMA money here

Severe Storms, Tornadoes, and Flooding

Severe Winter Storm and Snowstorm

Severe Storms and Flooding

Severe Winter Storms

Severe Winter Storms and Flooding

Severe Winter Storms

How to read this page

Where to, neighbor?

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