Natural hazards · Humansville

Humansville, MO natural hazards

Most of the natural-hazard damage FEMA expects in Humansville comes from inland flooding, and overall the risk is 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 Humansville?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Humansville to be higher than in 69% of U.S. communities, mostly from inland flooding.

Inland flooding52%Tornadoes14%Heat waves8%Strong wind6%Cold waves5%Everything else15%

By hazard

What Humansville faces

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

Inland flooding

52% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

14% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once every 25 years in the area

Heat waves

8% of expected damage

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

Recorded about 14 times a year in the area

Strong wind

6% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 5 times a year in the area

Cold waves

5% of expected damage

Below average · higher than 43% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesLightningDrought

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 Humansville flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Polk County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Humansville

5 federal disasters brought FEMA money here

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

Brought FEMA money into HumansvilleDeclared for Polk County only

2015

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

3 households applied for aid

2011

Severe Winter Storm and Snowstorm

$2K to the City of Humansville for repairs

2009

Severe Storms, Tornadoes, and Flooding

6 households applied for aid $29K aid approved

2007

Severe Winter Storms and Flooding

$26K to the City of Humansville for repairs

2003

Severe Storms, Tornadoes, and Flooding

23 households applied for aid $50K aid approved

Polk County has had 19 natural disasters declared since 1953, most often severe storms and ice storms.

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

Humansville, MO natural hazards

How exposed is Humansville?

What Humansville faces

Inland flooding

Tornadoes

Heat waves

Strong wind

Cold waves

Lower here

Not a risk here

Does Humansville flood?

What’s been done with FEMA grants

5 federal disasters brought FEMA money here

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

Severe Winter Storm and Snowstorm

Severe Storms, Tornadoes, and Flooding

Severe Winter Storms and Flooding

Severe Storms, Tornadoes, and Flooding

How to read this page

Where to, neighbor?

Matches

Nearby