Natural hazards · Horine

Horine, MO natural hazards

Most of the natural-hazard damage FEMA expects in Horine comes from inland flooding, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Horine?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Horine to be higher than in 72% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding47%Tornadoes16%Cold waves9%Earthquakes8%Strong wind8%Heat waves5%Everything else6%

By hazard

What Horine faces

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

Inland flooding

47% of expected damage

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

Recorded about 2 times a year in the area

Tornadoes

16% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 66 years in the area

Cold waves

9% of expected damage

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

Recorded about once a year in the area

Earthquakes

8% of expected damage

Well above average · higher than 79% of U.S. places

Strong wind

8% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 5 times a year in the area

Heat waves

5% of expected damage

Above average · higher than 67% of U.S. places

Recorded about 13 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesLightningDrought

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 Horine flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Jefferson County.

Disasters that hit Horine

Federal disasters declared here

None of the disasters declared for Jefferson County shows FEMA aid or repair money reaching Horine itself in FEMA’s records.

Brought FEMA money into HorineDeclared for Jefferson County only

Jefferson County has had 24 natural disasters declared since 1953, most often severe storms and floods.

Around Horine

Horine and the towns around it

Very lowLowModerateHighVery high

Herculaneummostly inland floodingHigh

Horinemostly inland floodingHigh

Pevelymostly inland floodingHigh

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