Natural hazards · Naylor

Naylor, MO natural hazards

Most of the natural-hazard damage FEMA expects in Naylor comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 3 claims here since 1993. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Naylor?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Naylor to be higher than in 89% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding45%Earthquakes20%Cold waves12%Tornadoes9%Heat waves6%Everything else9%

By hazard

What Naylor faces

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

Inland flooding

45% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 3 times a year in the area

Earthquakes

20% of expected damage

Well above average · higher than 86% of U.S. places

Cold waves

12% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about once a year in the area

Tornadoes

9% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once every 14 years in the area

Heat waves

6% of expected damage

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

Recorded about 11 times a year in the area

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 Naylor flood?

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

3paid claims since 1993

$47Kpaid to owners

0homes flooded more than once

19932026

Biggest named events

Midwest Flooding: 2 claims, $44K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Ripley County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Naylor

6 federal disasters brought FEMA money here

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

Brought FEMA money into NaylorDeclared for Ripley County only

2025

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

18 households applied for aid $30K aid approved

2024

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

74 households applied for aid $342K aid approved $15K to the City of Naylor for repairs

2017

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

9 households applied for aid $19K aid approved

2011

Severe Storms, Tornadoes, and Flooding

15 households applied for aid $83K aid approved

2009

Severe Winter Storm

$19K to the City of Naylor for repairs

2008

Severe Storms and Flooding

8 households applied for aid $32K aid approved $6K to the City of Naylor for repairs

Ripley County has had 21 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. Naylor 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 Naylor’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Naylor. 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.