Natural hazards · Lake Winnebago

Lake Winnebago, MO natural hazards

Most of the natural-hazard damage FEMA expects in Lake Winnebago comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 7 claims here since 1990.

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

Expected damage

How exposed is Lake Winnebago?

Moderate

vs. U.S. communities

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

Inland flooding48%Tornadoes19%Cold waves11%Hail7%Heat waves6%Strong wind5%Everything else4%

By hazard

What Lake Winnebago faces

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

Inland flooding

48% of expected damage

Above average · higher than 61% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

19% of expected damage

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

Recorded about once every 45 years in the area

Cold waves

11% of expected damage

Below average · higher than 35% of U.S. places

Recorded about 2 times a year in the area

Hail

7% of expected damage

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

Recorded about 9 times a year in the area

Heat waves

6% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 15 times a year in the area

Strong wind

5% of expected damage

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

Recorded about 7 times a year in the area

Lower here

HurricanesIce stormsWinter weatherWildfireEarthquakesLandslidesLightningDrought

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 Winnebago flood?

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

7paid claims since 1990

$242Kpaid to owners

2homes flooded more than once

19902026

Homes that flooded again and again

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Cass County.

Disasters that hit Lake Winnebago

Federal disasters declared here

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

Brought FEMA money into Lake WinnebagoDeclared for Cass County only

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

Around Lake Winnebago

Lake Winnebago and the towns around it

Very lowLowModerateHighVery high

Lake Winnebagomostly inland floodingModerate

Lee's Summitmostly inland floodingLow

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