Natural hazards · Lone Oak

Lone Oak, MO natural hazards

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

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

Expected damage

How exposed is Lone Oak?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lone Oak to be higher than in 74% of U.S. communities, mostly from inland flooding.

Inland flooding56%Tornadoes10%Cold waves10%Strong wind7%Heat waves5%Everything else11%

By hazard

What Lone Oak faces

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

Inland flooding

56% of expected damage

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

Recorded about once a year in the area

Tornadoes

10% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 8 years in the area

Cold waves

10% of expected damage

Below average · higher than 43% of U.S. places

Recorded about 2 times a year in the area

Strong wind

7% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 5 times a year in the area

Heat waves

5% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 15 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesLightningDrought

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 Lone Oak flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Bates County.

Disasters that hit Lone Oak

Federal disasters declared here

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

Brought FEMA money into Lone OakDeclared for Bates County only

Bates County has had 20 natural disasters declared since 1953, most often severe storms and ice storms.

Around Lone Oak

Lone Oak and the towns around it

Very lowLowModerateHighVery high

Lone Oakmostly inland floodingHigh

Osagemostly inland floodingHigh

Pleasant Gapmostly inland floodingHigh

New Homemostly inland floodingHigh

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 Oak 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 Lone Oak’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Lone Oak. 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.