Natural hazards · La Monte

La Monte, MO natural hazards

Most of the natural-hazard damage FEMA expects in La Monte comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 2014. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is La Monte?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in La Monte to be higher than in 50% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding45%Tornadoes16%Cold waves14%Heat waves9%Drought6%Everything else11%

By hazard

What La Monte faces

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

Inland flooding

45% of expected damage

Above average · higher than 66% of U.S. places

Recorded about once a year in the area

Tornadoes

16% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 9 years in the area

Cold waves

14% of expected damage

Below average · higher than 42% of U.S. places

Recorded about 2 times a year in the area

Heat waves

9% of expected damage

Above average · higher than 68% of U.S. places

Recorded about 13 times a year in the area

Drought

6% of expected damage

Recorded about 14 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightning

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 La Monte flood?

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

3paid claims since 2014

$43Kpaid to owners

0homes flooded more than once

20142026

of all homes
are insured

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

Insurance rates: Pettis County.

Disasters that hit La Monte

2 federal disasters brought FEMA money here

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

Brought FEMA money into La MonteDeclared for Pettis County only

2011

Severe Winter Storm and Snowstorm

$2K to the City of La Monte for repairs

2006

Severe Storms, Tornadoes and Flooding

2 households applied for aid $2K aid approved

Pettis County has had 17 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. La Monte covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to La Monte’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the City of La Monte. 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 La Monte total about $4.3M 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.