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Natural hazards · Ozark

Ozark, MO natural hazards

Most of the natural-hazard damage FEMA expects in Ozark comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 26 claims here since 1993. 11 federal disasters brought FEMA money into town.

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

How exposed is Ozark?

44
Moderate
vs. U.S. communities

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

Inland flooding45%Tornadoes19%Heat waves12%Ice storms6%Strong wind6%Everything else12%
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.

Inland flooding

45% of expected damage
Below average · higher than 44% of U.S. places
Recorded about 3 times a year in the area

Tornadoes

19% of expected damage
Well above average · higher than 91% of U.S. places

Heat waves

12% of expected damage
Well above average · higher than 87% of U.S. places
Recorded about 13 times a year in the area

Ice storms

6% of expected damage
Well above average · higher than 98% of U.S. places
Recorded about once a year in the area

Strong wind

6% of expected damage
Well above average · higher than 95% of U.S. places
Recorded about 6 times a year in the area

Lower here

HurricanesHailWinter weatherCold wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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?

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

26paid claims since 1993
$1.9Mpaid to owners
6homes flooded more than once
19932026

Biggest named events

  • March storm: 4 claims, $152K
  • Late spring severe storms: 2 claims, $105K
  • Mid-spring storms: 1 claim, $73K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (4) ■ flooded 2+ times

of homes in flood zones
are insured
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: Christian County.

What’s been done with FEMA grants

2storm safe rooms built
1flood-prone properties bought out and cleared
Disasters that hit Ozark

11 federal disasters brought FEMA money here

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

Brought FEMA money into OzarkDeclared for Christian County only
2023

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

$47K to the City of Ozark for repairs
2017

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

13 households applied for aid $29K aid approved $18K to the City of Ozark for repairs
2015

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

$77K to the City of Ozark for repairs
2011

Severe Storms, Tornadoes, and Flooding

1 household applied for aid
2009

Severe Storms, Tornadoes, and Flooding

7 households applied for aid $33K aid approved
2008

Severe Storms, Flooding, and a Tornado

$3K to the City of Ozark for repairs
2008

Severe Storms and Flooding

51 households applied for aid $30K aid approved $22K to the City of Ozark for repairs
2008

Severe Winter Storms and Flooding

$21K to the City of Ozark for repairs
2007

Severe Winter Storms and Flooding

$7K to the City of Ozark for repairs
2006

Severe Storms, Tornadoes and Flooding

3 households applied for aid
2002

Severe Storms, Tornadoes and Flooding

$27K to the City of Ozark for repairs
Christian County has had 18 natural disasters declared since 1953, most often severe storms and ice storms.
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 covers 2 census tracts, combined by population.
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 City of Ozark. 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 Ozark total about $2.7M 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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