Natural hazards · Lake Timberline

Lake Timberline, MO natural hazards

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

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

Expected damage

How exposed is Lake Timberline?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lake Timberline to be higher than in 74% of U.S. communities, mostly from inland flooding and heat waves.

Inland flooding41%Heat waves17%Tornadoes13%Earthquakes10%Strong wind8%Cold waves7%Everything else5%

By hazard

What Lake Timberline faces

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

Inland flooding

41% of expected damage

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

Recorded about once a year in the area

Heat waves

17% of expected damage

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

Recorded about 11 times a year in the area

Tornadoes

13% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 45 years in the area

Earthquakes

10% of expected damage

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

Strong wind

8% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 5 times a year in the area

Cold waves

7% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesLightningDrought

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 Timberline flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Lake Timberline 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. Francois County.

Disasters that hit Lake Timberline

Federal disasters declared here

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

Brought FEMA money into Lake TimberlineDeclared for St. Francois County only

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