Natural hazards · Ozark

Ozark, MO natural hazards

Most of the natural-hazard damage FEMA expects in Ozark comes from cold waves, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Ozark?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ozark to be higher than in 63% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves38%Inland flooding22%Heat waves11%Tornadoes10%Earthquakes8%Everything else11%

By hazard

What Ozark faces

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

Cold waves

38% of expected damage

Below average · higher than 41% of U.S. places

Recorded about 2 times a year in the area

Inland flooding

22% of expected damage

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

Recorded about 3 times a year in the area

Heat waves

11% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 12 times a year in the area

Tornadoes

10% of expected damage

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

Recorded about once every 8 years in the area

Earthquakes

8% of expected damage

Well above average · higher than 81% of U.S. places

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 Ozark flood?

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

of all homes
are insured

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

Insurance rates: Texas County.

Disasters that hit Ozark

Federal disasters declared here

None of the disasters declared for Texas County shows FEMA aid or repair money reaching Ozark itself in FEMA’s records.

Brought FEMA money into OzarkDeclared for Texas County only

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

Around Ozark

Ozark and the towns around it

Very lowLowModerateHighVery high

Cassmostly cold wavesHigh

Jacksonmostly cold wavesHigh

Ozarkmostly cold wavesHigh

Piercemostly cold wavesHigh

Carrollmostly cold wavesHigh

Currentmostly cold wavesHigh

Pineymostly cold wavesModerate

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. Ozark 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 Ozark’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Ozark. 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.