Natural hazards · Martinsburg

Martinsburg, MO natural hazards

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

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

Expected damage

How exposed is Martinsburg?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Martinsburg to be higher than in 58% of U.S. communities, mostly from inland flooding.

Inland flooding47%Drought12%Cold waves11%Heat waves9%Tornadoes7%Earthquakes6%Everything else8%

By hazard

What Martinsburg faces

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

Inland flooding

47% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about once a year in the area

Drought

12% of expected damage

Recorded about 7 times a year in the area

Cold waves

11% of expected damage

Below average · higher than 46% of U.S. places

Recorded about 3 times a year in the area

Heat waves

9% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about 11 times a year in the area

Tornadoes

7% of expected damage

Above average · higher than 67% of U.S. places

Recorded about once every 5 years in the area

Earthquakes

6% of expected damage

Well above average · higher than 76% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesStrong 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 Martinsburg flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Audrain County.

Disasters that hit Martinsburg

Federal disasters declared here

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

Brought FEMA money into MartinsburgDeclared for Audrain County only

Audrain County has had 13 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. Martinsburg 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 Martinsburg’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Martinsburg. 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.