Natural hazards · Ludlow

Ludlow, MO natural hazards

Most of the natural-hazard damage FEMA expects in Ludlow comes from inland flooding, and overall the risk is high 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 Ludlow?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ludlow to be higher than in 69% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding43%Tornadoes19%Drought18%Cold waves10%Everything else12%

By hazard

What Ludlow faces

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

Inland flooding

43% of expected damage

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

Recorded about 3 times a year in the area

Tornadoes

19% of expected damage

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

Recorded about once every 6 years in the area

Drought

18% of expected damage

Recorded about 17 times a year in the area

Cold waves

10% of expected damage

Above average · higher than 71% of U.S. places

Recorded about 4 times a year in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Ludlow flood?

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

of all homes
are insured

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

Insurance rates: Livingston County.

Disasters that hit Ludlow

1 federal disaster brought FEMA money here

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

Brought FEMA money into LudlowDeclared for Livingston County only

2019

Severe Storms, Tornadoes, and Flooding

1 household applied for aid

Livingston County has had 20 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. Ludlow 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 Ludlow’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Ludlow. 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.