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Natural hazards · Laredo

Laredo, MO natural hazards

Most of the natural-hazard damage FEMA expects in Laredo comes from inland flooding, and overall the risk is moderate for a U.S. community. 4 federal disasters brought FEMA money into town.

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

How exposed is Laredo?

49
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Laredo to be higher than in 49% of U.S. communities, mostly from inland flooding and drought.

Inland flooding33%Drought25%Tornadoes18%Cold waves11%Heat waves5%Everything else8%
By hazard

What Laredo faces

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

Inland flooding

33% of expected damage
Above average · higher than 61% of U.S. places
Recorded about once a year in the area

Drought

25% of expected damage
Recorded about 16 times a year in the area

Tornadoes

18% of expected damage
Well above average · higher than 94% of U.S. places
Recorded about once every 9 years in the area

Cold waves

11% of expected damage
Well above average · higher than 76% of U.S. places
Recorded about 4 times a year in the area

Heat waves

5% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about 9 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 Laredo flood?

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. Laredo isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Grundy County.
Disasters that hit Laredo

4 federal disasters brought FEMA money here

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

Brought FEMA money into LaredoDeclared for Grundy County only
2019

Severe Storms, Tornadoes, and Flooding

$49K to the City of Laredo for repairs
2014

Severe Storms, Tornadoes, Straight-Line Winds, and Flooding

$17K to the City of Laredo for repairs
2008

Severe Storms and Flooding

$24K to the City of Laredo for repairs
2004

Severe Storms, Tornadoes, and Flooding

11 households applied for aid $6K aid approved
Grundy County has had 18 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. Laredo 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 Laredo’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Laredo. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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