Natural hazards · Monroe

Monroe, MO natural hazards

Most of the natural-hazard damage FEMA expects in Monroe comes from inland flooding, and overall the risk is moderate for a U.S. community. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Monroe?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Monroe to be higher than in 51% of U.S. communities, mostly from inland flooding and heat waves.

Inland flooding38%Heat waves24%Tornadoes13%Cold waves7%Lightning6%Everything else13%

By hazard

What Monroe faces

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

Inland flooding

38% of expected damage

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

Recorded about once a year in the area

Heat waves

24% of expected damage

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

Recorded about 10 times a year in the area

Tornadoes

13% of expected damage

Above average · higher than 65% of U.S. places

Recorded about once every 9 years in the area

Cold waves

7% of expected damage

Above average · higher than 57% of U.S. places

Recorded about 3 times a year in the area

Lightning

6% of expected damage

Well above average · higher than 88% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windDrought

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 Monroe flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Monroe County.

Disasters that hit Monroe

5 federal disasters brought FEMA money here

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

Brought FEMA money into MonroeDeclared for Monroe County only

2011

Severe Winter Storm and Snowstorm

$5K to the City of Monroe for repairs

2010

Severe Storms, Flooding, and Tornadoes

$10K to the City of Monroe for repairs

2008

Severe Storms and Flooding

2 households applied for aid

2006

Severe Storms, Tornadoes and Flooding

85 households applied for aid $51K aid approved $322K to the City of Monroe for repairs

2003

Severe Storms, Tornadoes, and Flooding

5 households applied for aid $34K to the City of Monroe for repairs

Monroe County has had 16 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. Monroe 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 Monroe’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Monroe. 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.