Natural hazards · Latham

Latham, MO natural hazards

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

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

Expected damage

How exposed is Latham?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Latham to be higher than in 32% of U.S. communities, mostly from inland flooding.

Inland flooding35%Tornadoes15%Heat waves14%Cold waves14%Ice storms7%Everything else16%

By hazard

What Latham faces

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

Inland flooding

35% of expected damage

Below average · higher than 32% of U.S. places

Recorded about once a year in the area

Tornadoes

15% of expected damage

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

Recorded about once every 12 years in the area

Heat waves

14% of expected damage

Below average · higher than 39% of U.S. places

Recorded about 12 times a year in the area

Cold waves

14% of expected damage

Below average · higher than 37% of U.S. places

Recorded about 2 times a year in the area

Ice storms

7% of expected damage

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

Recorded about once a year in the area

Lower here

HurricanesHailWinter weatherWildfireEarthquakesLandslidesStrong 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 Latham flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Moniteau County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Latham

Federal disasters declared here

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

Brought FEMA money into LathamDeclared for Moniteau County only

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