Natural hazards · Mineral Point

Mineral Point, MO natural hazards

Most of the natural-hazard damage FEMA expects in Mineral Point comes from heat waves, and overall the risk is high for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Mineral Point?

High

vs. U.S. communities

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

Heat waves25%Inland flooding23%Cold waves20%Earthquakes17%Tornadoes8%Everything else7%

By hazard

What Mineral Point faces

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

Heat waves

25% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 11 times a year in the area

Inland flooding

23% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once a year in the area

Cold waves

20% of expected damage

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

Recorded about once a year in the area

Earthquakes

17% of expected damage

Well above average · higher than 85% of U.S. places

Tornadoes

8% of expected damage

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

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Mineral Point flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Washington County.

Disasters that hit Mineral Point

3 federal disasters brought FEMA money here

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

Brought FEMA money into Mineral PointDeclared for Washington County only

2025

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

1 household applied for aid $11K aid approved

2009

Severe Storms, Tornadoes, and Flooding

2 households applied for aid $5K aid approved

2008

Severe Storms and Flooding

8 households applied for aid $25K aid approved

Washington 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. Mineral Point 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 Mineral Point’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Mineral Point. 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.