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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. Flood insurance has paid 1 claim here since 1993. 7 federal disasters brought FEMA money into town.

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

How exposed is Monroe?

57
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Monroe to be higher than in 57% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding41%Tornadoes18%Cold waves11%Heat waves10%Drought9%Everything else11%
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

41% of expected damage
Above average · higher than 69% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

18% of expected damage
Well above average · higher than 97% of U.S. places
Recorded about once every 8 years in the area

Cold waves

11% of expected damage
Well above average · higher than 78% of U.S. places
Recorded about 4 times a year in the area

Heat waves

10% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about 10 times a year in the area

Drought

9% of expected damage
Recorded about 17 times a year in the area

Lower here

HailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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?

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

1paid claims since 1993
$28Kpaid to owners
0homes flooded more than once
19932026

Biggest named events

  • Midwest Flooding: 1 claim, $28K
Disasters that hit Monroe

7 federal disasters brought FEMA money here

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

Brought FEMA money into MonroeDeclared for Daviess County only
2019

Severe Storms, Tornadoes, and Flooding

$15K to the Township of Monroe for repairs
2015

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

$71K to the Township of Monroe for repairs
2014

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

$78K to the Township of Monroe for repairs
2010

Severe Storms, Flooding, and Tornadoes

$56K to the Township of Monroe for repairs
2008

Severe Storms and Flooding

$20K to the Township of Monroe for repairs
2007

Severe Winter Storms

$4K to the Township of Monroe for repairs
2007

Severe Storms and Flooding

$11K to the Township of Monroe for repairs
Daviess County has had 21 natural disasters declared since 1953, most often severe storms and ice storms.
Around Monroe

Monroe and the towns around it

Gomer: Moderate, mostly inland floodingHarrison: Moderate, mostly inland floodingSheridan: Moderate, mostly inland floodingUnion: Moderate, mostly inland floodingJackson: Moderate, mostly inland floodingBreckenridge: Moderate, mostly inland floodingHamilton: Moderate, mostly inland floodingNew York: Moderate, mostly inland floodingMooresville: High, mostly inland floodingLiberty: High, mostly inland floodingColfax: Moderate, mostly inland floodingGrand River: High, mostly inland floodingJamesport: High, mostly inland floodingJackson: High, mostly inland floodingSampsel: High, mostly inland floodingFairview: Moderate, mostly inland floodingMonroe: Moderate, mostly inland flooding MonroeGomerHarrisonSheridanUnionJacksonBreckenridge
Very lowLowModerateHighVery high
Monroemostly inland floodingModerate
Harrisonmostly inland floodingModerate
Sheridanmostly inland floodingModerate
Unionmostly inland floodingModerate
Jacksonmostly inland floodingModerate
Gomermostly inland floodingModerate
Breckenridgemostly inland floodingModerate
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 covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Monroe’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Monroe. 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 Monroe total about $3.8M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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