Natural hazards · Moberly

Moberly, MO natural hazards

Most of the natural-hazard damage FEMA expects in Moberly comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 1999. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Moberly?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Moberly to be higher than in 29% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding36%Tornadoes22%Cold waves17%Heat waves13%Earthquakes6%Everything else7%

By hazard

What Moberly faces

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

Inland flooding

36% of expected damage

Below average · higher than 41% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

22% of expected damage

Well above average · higher than 81% of U.S. places

Cold waves

17% of expected damage

Above average · higher than 61% of U.S. places

Recorded about 3 times a year in the area

Heat waves

13% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 10 times a year in the area

Earthquakes

6% of expected damage

Above average · higher than 70% of U.S. places

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 Moberly flood?

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

2paid claims since 1999

$15Kpaid to owners

0homes flooded more than once

19992026

Biggest named events

Hurricane Ike: 1 claim, $13K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Randolph County.

Disasters that hit Moberly

6 federal disasters brought FEMA money here

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

Brought FEMA money into MoberlyDeclared for Randolph County only

2019

Severe Storms, Tornadoes, and Flooding

$22K to the City of Moberly for repairs

2011

Severe Winter Storm and Snowstorm

$24K to the City of Moberly for repairs

2008

Severe Storms and Flooding

2 households applied for aid $30K to the City of Moberly for repairs

2006

Severe Storms, Tornadoes and Flooding

39 households applied for aid $104K aid approved $2K to the City of Moberly for repairs

2004

Severe Storms, Tornadoes, and Flooding

4 households applied for aid $834 aid approved

2002

Severe Winter Ice Storm

$68K to the City of Moberly for repairs

Randolph County has had 15 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. Moberly covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Moberly’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Moberly. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Moberly total about $6.1M a year, counting buildings, people and crops.

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.