Natural hazards · Independence

Independence, MO natural hazards

Most of the natural-hazard damage FEMA expects in Independence comes from earthquakes, and overall the risk is very high for a U.S. community. Flood insurance has paid 11 claims here since 1979.

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

Expected damage

How exposed is Independence?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Independence to be higher than in 84% of U.S. communities, mostly from earthquakes.

Earthquakes62%Inland flooding14%Tornadoes7%Heat waves7%Everything else9%

By hazard

What Independence faces

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

Earthquakes

62% of expected damage

Well above average · higher than 95% of U.S. places

Inland flooding

14% of expected damage

Below average · higher than 30% of U.S. places

Recorded about once a year in the area

Tornadoes

7% of expected damage

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

Heat waves

7% of expected damage

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

Recorded about 18 times a year 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 Independence flood?

Every paid claim on a federal flood insurance policy in Independence, from FEMA’s records.

11paid claims since 1979

$107Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

Central U.S. April Flooding: 1 claim, $66K

of all homes
are insured

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

Insurance rates: Dunklin County.

Disasters that hit Independence

Federal disasters declared here

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

Brought FEMA money into IndependenceDeclared for Dunklin County only

Dunklin County has had 18 natural disasters declared since 1953, most often severe storms and floods.

Around Independence

Independence and the towns around it

Very lowLowModerateHighVery high

Independencemostly earthquakesVery high

Claymostly earthquakesVery high

Holcombmostly earthquakesVery high

Freebornmostly earthquakesVery high

Salemmostly earthquakesVery high

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. Independence covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Independence’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Independence. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Independence total about $11.6M a year, counting buildings, people and crops.

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.