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Natural hazards · Kirksville

Kirksville, MO natural hazards

Most of the natural-hazard damage FEMA expects in Kirksville comes from tornadoes, and overall the risk is low for a U.S. community. Flood insurance has paid 15 claims here since 1981. 12 federal disasters brought FEMA money into town.

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

How exposed is Kirksville?

36
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Kirksville to be higher than in 36% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes39%Inland flooding32%Heat waves10%Strong wind7%Everything else13%
By hazard

What Kirksville faces

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

Tornadoes

39% of expected damage
Well above average · higher than 93% of U.S. places

Inland flooding

32% of expected damage
Below average · higher than 41% of U.S. places
Recorded about once a year in the area

Heat waves

10% of expected damage
Well above average · higher than 97% of U.S. places
Recorded about 8 times a year in the area

Strong wind

7% of expected damage
Well above average · higher than 90% of U.S. places
Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesLightningDrought

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 Kirksville flood?

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

15paid claims since 1981
$399Kpaid to owners
2homes flooded more than once
19812026

Biggest named events

  • Midwest Flooding: 3 claims, $11K
  • Late spring storms: 1 claim, $3K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of all homes
are insured
No community discount. Kirksville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Adair County.
Disasters that hit Kirksville

12 federal disasters brought FEMA money here

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

Brought FEMA money into KirksvilleDeclared for Adair County only
2023

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

$113K to the City of Kirksville for repairs
2019

Severe Storms, Tornadoes, and Flooding

$14K to the City of Kirksville for repairs
2015

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

$25K to the City of Kirksville for repairs
2014

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

$149K to the City of Kirksville for repairs
2011

Severe Winter Storm and Snowstorm

$31K to the City of Kirksville for repairs
2010

Severe Storms, Flooding, and Tornadoes

$75K to the City of Kirksville for repairs
2009

Severe Storms, Tornadoes, and Flooding

84 households applied for aid $101K aid approved $87K to the City of Kirksville for repairs
2008

Severe Storms, Flooding, and a Tornado

$11K to the City of Kirksville for repairs
2008

Severe Storms and Flooding

117 households applied for aid $269K aid approved $24K to the City of Kirksville for repairs
2007

Severe Winter Storms

$48K to the City of Kirksville for repairs
2004

Severe Storms, Tornadoes, and Flooding

1 household applied for aid
2002

Severe Storms, Tornadoes and Flooding

$11K to the City of Kirksville for repairs
Adair County has had 22 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. Kirksville covers 4 census tracts, combined by population.
Money that reached townFlood claims are matched to Kirksville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Kirksville. 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 Kirksville total about $4.5M 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.

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