Natural hazards · Howardville

Howardville, MO natural hazards

Most of the natural-hazard damage FEMA expects in Howardville comes from earthquakes, and overall the risk is very high for a U.S. community. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Howardville?

Very high

vs. U.S. communities

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

Earthquakes67%Heat waves10%Inland flooding9%Tornadoes6%Everything else9%

By hazard

What Howardville faces

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

Earthquakes

67% of expected damage

Well above average · among the top 1% of U.S. places

Heat waves

10% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 12 times a year in the area

Inland flooding

9% of expected damage

Well below average · higher than 13% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

6% of expected damage

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

Recorded about once every 69 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesWildfireLandslidesStrong 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 Howardville flood?

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

of all homes
are insured

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

Insurance rates: New Madrid County.

Disasters that hit Howardville

5 federal disasters brought FEMA money here

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

Brought FEMA money into HowardvilleDeclared for New Madrid County only

2024

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

2 households applied for aid $9K aid approved

2011

Severe Storms, Tornadoes, and Flooding

1 household applied for aid $2K aid approved

2009

Severe Winter Storm

$14K to the City of Howardville for repairs

2008

Severe Storms and Flooding

$13K to the City of Howardville for repairs

2006

Severe Storms, Tornadoes and Flooding

1 household applied for aid

New Madrid County has had 22 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. Howardville 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 Howardville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Howardville. 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.