Natural hazards · Luray

Luray, MO natural hazards

Most of the natural-hazard damage FEMA expects in Luray 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 Luray?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Luray to be higher than in 65% of U.S. communities, mostly from inland flooding and heat waves.

Inland flooding42%Heat waves22%Strong wind10%Drought7%Tornadoes5%Everything else14%

By hazard

What Luray faces

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

Inland flooding

42% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about 2 times a year in the area

Heat waves

22% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 9 times a year in the area

Strong wind

10% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 4 times a year in the area

Drought

7% of expected damage

Recorded about 9 times a year in the area

Tornadoes

5% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 5 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesLightning

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 Luray flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Clark County.

Disasters that hit Luray

Federal disasters declared here

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

Brought FEMA money into LurayDeclared for Clark County only

Clark County has had 23 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. Luray 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 Luray’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Luray. 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.