Natural hazards · Mill Spring

Mill Spring, MO natural hazards

Most of the natural-hazard damage FEMA expects in Mill Spring comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 2 claims here since 2011. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Mill Spring?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mill Spring to be higher than in 98% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding52%Cold waves19%Tornadoes9%Earthquakes9%Heat waves7%Everything else5%

By hazard

What Mill Spring faces

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

Inland flooding

52% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 4 times a year in the area

Cold waves

19% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about once a year in the area

Tornadoes

9% of expected damage

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

Recorded about once every 7 years in the area

Earthquakes

9% of expected damage

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

Heat waves

7% of expected damage

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

Recorded about 11 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesStrong windLightningDrought

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 Mill Spring flood?

Every paid claim on a federal flood insurance policy in Mill Spring, from FEMA’s records.

2paid claims since 2011

$8Kpaid to owners

0homes flooded more than once

20112026

Biggest named events

Mid-spring storms: 2 claims, $8K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Wayne County.

Disasters that hit Mill Spring

4 federal disasters brought FEMA money here

Disasters the President declared that paid out in Mill Spring itself: aid to households, or repair grants to the Village of Mill Spring.

Brought FEMA money into Mill SpringDeclared for Wayne County only

2025

Severe Storms, Straight-Line Winds, Tornadoes, and Wildfires

7 households applied for aid $13K aid approved

2017

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

2 households applied for aid $1K aid approved $167K to the Village of Mill Spring for repairs

2011

Severe Storms, Tornadoes, and Flooding

12 households applied for aid $40K aid approved

2008

Severe Storms and Flooding

27 households applied for aid $65K aid approved $18K to the Village of Mill Spring for repairs

Wayne County has had 25 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. Mill Spring 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 Mill Spring’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Mill Spring. 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.