Natural hazards · Lathrop

Lathrop, MO natural hazards

Most of the natural-hazard damage FEMA expects in Lathrop comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2015. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Lathrop?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lathrop to be higher than in 57% of U.S. communities, mostly from inland flooding.

Inland flooding63%Tornadoes13%Cold waves10%Everything else15%

By hazard

What Lathrop faces

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

Inland flooding

63% of expected damage

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

Recorded about once a year in the area

Tornadoes

13% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once every 14 years in the area

Cold waves

10% of expected damage

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

Recorded about 3 times a year in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 Lathrop flood?

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

1paid claims since 2015

$17Kpaid to owners

0homes flooded more than once

20152026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Clinton County.

Disasters that hit Lathrop

7 federal disasters brought FEMA money here

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

Brought FEMA money into LathropDeclared for Clinton County only

2015

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

$35K to the City of Lathrop for repairs

2011

Severe Winter Storm and Snowstorm

$2K to the City of Lathrop for repairs

2007

Severe Winter Storms

$16K to the City of Lathrop for repairs

2007

Severe Storms and Flooding

35 households applied for aid $72K aid approved $14K to the City of Lathrop for repairs

2004

Severe Storms, Tornadoes, and Flooding

1 household applied for aid

2003

Severe Storms, Tornadoes, and Flooding

1 household applied for aid

2002

Severe Winter Ice Storm

$2K to the City of Lathrop for repairs

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

Lathrop, MO natural hazards

How exposed is Lathrop?

What Lathrop faces

Inland flooding

Tornadoes

Cold waves

Lower here

Not a risk here

Does Lathrop flood?

7 federal disasters brought FEMA money here

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

Severe Winter Storm and Snowstorm

Severe Winter Storms

Severe Storms and Flooding

Severe Storms, Tornadoes, and Flooding

Severe Storms, Tornadoes, and Flooding

Severe Winter Ice Storm

How to read this page

Where to, neighbor?

Matches

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