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Natural hazards · Lebanon

Lebanon, MO natural hazards

Most of the natural-hazard damage FEMA expects in Lebanon comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 10 claims here since 1990. 7 federal disasters brought FEMA money into town.

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

How exposed is Lebanon?

52
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lebanon to be higher than in 52% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding36%Cold waves21%Earthquakes11%Ice storms9%Heat waves9%Tornadoes7%Everything else7%
By hazard

What Lebanon faces

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

Inland flooding

36% of expected damage
Below average · higher than 40% of U.S. places
Recorded about 3 times a year in the area

Cold waves

21% of expected damage
Below average · higher than 42% of U.S. places
Recorded about 2 times a year in the area

Earthquakes

11% of expected damage
Well above average · higher than 79% of U.S. places

Ice storms

9% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about once a year in the area

Heat waves

9% of expected damage
Above average · higher than 67% of U.S. places
Recorded about 12 times a year in the area

Tornadoes

7% of expected damage
Well above average · higher than 80% of U.S. places

Lower here

HurricanesHailWinter weatherWildfireLandslidesStrong 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 Lebanon flood?

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

10paid claims since 1990
$122Kpaid to owners
2homes flooded more than once
19902026

Biggest named events

  • Early winter storms: 1 claim, $9K

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. Lebanon isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Laclede County.

What’s been done with FEMA grants

3storm safe rooms built
Disasters that hit Lebanon

7 federal disasters brought FEMA money here

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

Brought FEMA money into LebanonDeclared for Laclede County only
2020

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

$1.5M to the City of Lebanon for repairs
2019

Severe Storms, Tornadoes, and Flooding

$124K to the City of Lebanon for repairs
2015

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

27 households applied for aid $23K aid approved $84K to the City of Lebanon for repairs
2011

Severe Winter Storm and Snowstorm

$35K to the City of Lebanon for repairs
2009

Severe Storms, Tornadoes, and Flooding

39 households applied for aid $136K aid approved $45K to the City of Lebanon for repairs
2008

Severe Storms and Flooding

15 households applied for aid $29K aid approved
2007

Severe Winter Storms and Flooding

$551K to the City of Lebanon for repairs
Laclede 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. Lebanon covers 3 census tracts, combined by population.
Money that reached townFlood claims are matched to Lebanon’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lebanon. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Lebanon total about $9.6M a year, counting buildings, people and crops.

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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