Natural hazards · Mosby

Mosby, MO natural hazards

Most of the natural-hazard damage FEMA expects in Mosby comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 67 claims here since 1981. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Mosby?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mosby to be higher than in 46% of U.S. communities, mostly from inland flooding.

Inland flooding56%Tornadoes14%Cold waves13%Heat waves6%Hail6%Everything else5%

By hazard

What Mosby faces

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

Inland flooding

56% of expected damage

Above average · higher than 60% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

14% of expected damage

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

Recorded about once every 22 years in the area

Cold waves

13% of expected damage

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

Recorded about 3 times a year in the area

Heat waves

6% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 15 times a year in the area

Hail

6% of expected damage

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

Recorded about 8 times a year in the area

Lower here

Ice stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightningDrought

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 Mosby flood?

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

67paid claims since 1981

$1.2Mpaid to owners

8homes flooded more than once

19812026

Biggest named events

Midwest Flooding: 11 claims, $184K
Hurricane Ike: 1 claim, $14K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (2) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Clay County.

What’s been done with FEMA grants

51flood-prone properties bought out and cleared

Disasters that hit Mosby

1 federal disaster brought FEMA money here

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

Brought FEMA money into MosbyDeclared for Clay County only

2007

Severe Storms and Flooding

16 households applied for aid $36K aid approved

Clay County has had 23 natural disasters declared since 1953, most often severe storms and floods.

Around Mosby

Mosby and the towns around it

Very lowLowModerateHighVery high

Excelsior Springsmostly inland floodingHigh

Kearneymostly inland floodingModerate

Mosbymostly inland floodingModerate

Prathersvillemostly 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. Mosby 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 Mosby’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Mosby. 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.