Natural hazards · Lake Ozark

Lake Ozark, MO natural hazards

Most of the natural-hazard damage FEMA expects in Lake Ozark comes from inland flooding, and overall the risk is low for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Lake Ozark?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lake Ozark to be higher than in 38% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding50%Tornadoes15%Heat waves10%Cold waves7%Earthquakes6%Ice storms5%Everything else8%

By hazard

What Lake Ozark faces

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

Inland flooding

50% of expected damage

Below average · higher than 44% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

15% of expected damage

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

Recorded about once every 54 years in the area

Heat waves

10% of expected damage

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

Recorded about 12 times a year in the area

Cold waves

7% of expected damage

Below average · higher than 41% of U.S. places

Recorded about 2 times a year in the area

Earthquakes

6% of expected damage

Above average · higher than 73% of U.S. places

Ice storms

5% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesHailWinter weatherWildfireLandslidesStrong 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 Lake Ozark flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Miller County.

Disasters that hit Lake Ozark

3 federal disasters brought FEMA money here

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

Brought FEMA money into Lake OzarkDeclared for Miller County only

2013

Severe Storms, Straight-Line Winds and Flooding

$21K to the City of Lake Ozark for repairs

2011

Severe Winter Storm and Snowstorm

$16K to the City of Lake Ozark for repairs

2009

Severe Storms, Tornadoes, and Flooding

$1K to the City of Lake Ozark for repairs

Miller County has had 24 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 Ozark 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 Ozark’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lake Ozark. 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.