Natural hazards · Mount Vernon

Mount Vernon, MO natural hazards

Most of the natural-hazard damage FEMA expects in Mount Vernon comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 4 claims here since 1983. 6 federal disasters brought FEMA money into town.

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

How exposed is Mount Vernon?

44
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mount Vernon to be higher than in 44% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding36%Tornadoes27%Strong wind12%Heat waves9%Everything else17%
By hazard

What Mount Vernon 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 29% of U.S. places
Recorded about 4 times a year in the area

Tornadoes

27% of expected damage
Well above average · higher than 96% of U.S. places

Strong wind

12% of expected damage
Well above average · higher than 98% of U.S. places
Recorded about 7 times a year in the area

Heat waves

9% of expected damage
Well above average · higher than 91% of U.S. places
Recorded about 14 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesLightningDrought

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 Mount Vernon flood?

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

4paid claims since 1983
$60Kpaid to owners
0homes flooded more than once
19832026

Biggest named events

  • Early winter storms: 2 claims, $12K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Mount Vernon isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Lawrence County.
Disasters that hit Mount Vernon

6 federal disasters brought FEMA money here

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

Brought FEMA money into Mount VernonDeclared for Lawrence County only
2015

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

4 households applied for aid $6K aid approved
2011

Severe Storms, Tornadoes, and Flooding

1 household applied for aid $2K aid approved
2009

Severe Storms, Tornadoes, and Flooding

3 households applied for aid $874 aid approved
2008

Severe Storms and Flooding

$20K to the City of Mount Vernon for repairs
2007

Severe Winter Storms and Flooding

$217K to the City of Mount Vernon for repairs
2006

Severe Storms, Tornadoes and Flooding

2 households applied for aid
Lawrence County has had 17 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. Mount Vernon covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Mount Vernon’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Mount Vernon. 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 Mount Vernon total about $2.1M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01