Natural hazards · Lilbourn

Lilbourn, MO natural hazards

Most of the natural-hazard damage FEMA expects in Lilbourn comes from earthquakes, and overall the risk is very high for a U.S. community. Flood insurance has paid 59 claims here since 1986. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Lilbourn?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lilbourn to be higher than in 91% of U.S. communities, mostly from earthquakes.

Earthquakes60%Inland flooding10%Heat waves8%Drought7%Everything else15%

By hazard

What Lilbourn faces

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

Earthquakes

60% of expected damage

Well above average · among the top 1% of U.S. places

Inland flooding

10% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about 3 times a year in the area

Heat waves

8% of expected damage

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

Recorded about 12 times a year in the area

Drought

7% of expected damage

Recorded about 11 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesWildfireLandslidesStrong 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 Lilbourn flood?

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

59paid claims since 1986

$1.7Mpaid to owners

11homes flooded more than once

19862026

Biggest named events

Mid-spring storms: 17 claims, $555K
Central U.S. April Flooding: 2 claims, $128K

Homes that flooded again and again

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

of all homes
are insured

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

Insurance rates: New Madrid County.

Disasters that hit Lilbourn

5 federal disasters brought FEMA money here

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

Brought FEMA money into LilbournDeclared for New Madrid County only

2024

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

6 households applied for aid $9K aid approved

2011

Severe Storms, Tornadoes, and Flooding

12 households applied for aid $33K aid approved $11K to the City of Lilbourn for repairs

2009

Severe Winter Storm

$60K to the City of Lilbourn for repairs

2008

Severe Storms, Flooding, and a Tornado

$9K to the City of Lilbourn for repairs

2006

Severe Storms, Tornadoes and Flooding

12 households applied for aid $31K aid approved

New Madrid County has had 22 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. Lilbourn 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 Lilbourn’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lilbourn. 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.