Natural hazards · Lake Arrowhead

Lake Arrowhead, MO natural hazards

Most of the natural-hazard damage FEMA expects in Lake Arrowhead 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 Lake Arrowhead?

Moderate

vs. U.S. communities

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

Inland flooding57%Tornadoes16%Cold waves12%Hail5%Everything else10%

By hazard

What Lake Arrowhead faces

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

Inland flooding

57% of expected damage

Above average · higher than 65% of U.S. places

Recorded about once a year in the area

Tornadoes

16% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once every 67 years in the area

Cold waves

12% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 3 times a year in the area

Hail

5% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about 9 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 Lake Arrowhead flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Clinton County.

Disasters that hit Lake Arrowhead

Federal disasters declared here

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

Brought FEMA money into Lake ArrowheadDeclared for Clinton County only

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

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. Lake Arrowhead 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 Lake Arrowhead’s own flood-insurance community; household aid to the registrant’s city; repair grants to Lake Arrowhead. 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.