Natural hazards · Josephville

Josephville, MO natural hazards

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

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

Expected damage

How exposed is Josephville?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Josephville to be higher than in 52% of U.S. communities, mostly from inland flooding.

Inland flooding53%Earthquakes14%Tornadoes12%Hail6%Cold waves5%Everything else9%

By hazard

What Josephville faces

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

Inland flooding

53% of expected damage

Above average · higher than 58% of U.S. places

Recorded about 2 times a year in the area

Earthquakes

14% of expected damage

Well above average · higher than 80% of U.S. places

Tornadoes

12% of expected damage

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

Recorded about once every 81 years in the area

Hail

6% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 5 times a year in the area

Cold waves

5% of expected damage

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

Recorded about 2 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat 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 Josephville flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: St. Charles County.

Disasters that hit Josephville

Federal disasters declared here

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

Brought FEMA money into JosephvilleDeclared for St. Charles County only

St. Charles County has had 23 natural disasters declared since 1953, most often severe storms and floods.

Around Josephville

Josephville and the towns around it

Very lowLowModerateHighVery high

O'Fallonmostly inland floodingHigh

Josephvillemostly inland floodingModerate

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