Natural hazards · Lone Jack

Lone Jack, MO natural hazards

Most of the natural-hazard damage FEMA expects in Lone Jack comes from inland flooding, and overall the risk is very low for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Lone Jack?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lone Jack to be higher than in 17% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding36%Tornadoes26%Heat waves18%Hail9%Cold waves7%Everything else4%

By hazard

What Lone Jack 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

Well below average · higher than 19% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

26% of expected damage

Well above average · higher than 85% of U.S. places

Heat waves

18% of expected damage

Above average · higher than 63% of U.S. places

Recorded about 15 times a year in the area

Hail

9% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 7 times a year in the area

Cold waves

7% of expected damage

Well below average · higher than 24% of U.S. places

Recorded about 2 times a year in the area

Lower here

Ice stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Lone Jack flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Jackson County.

Disasters that hit Lone Jack

1 federal disaster brought FEMA money here

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

Brought FEMA money into Lone JackDeclared for Jackson County only

2002

Severe Winter Ice Storm

$37K to the City of Lone Jack for repairs

Jackson County has had 24 natural disasters declared since 1953, most often severe storms and floods.

Around Lone Jack

Lone Jack and the towns around it

Very lowLowModerateHighVery high

Lake Lotawanamostly inland floodingModerate

Lone Jackmostly inland floodingVery low

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. Lone Jack covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Lone Jack’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lone Jack. 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 Lone Jack total about $490K 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.