Natural hazards · Pacific

Pacific, MO natural hazards

Most of the natural-hazard damage FEMA expects in Pacific comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 425 claims here since 1982. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Pacific?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pacific to be higher than in 82% of U.S. communities, mostly from inland flooding.

Inland flooding65%Tornadoes10%Earthquakes7%Heat waves7%Everything else12%

By hazard

What Pacific faces

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

Inland flooding

65% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

10% of expected damage

Well above average · higher than 82% of U.S. places

Earthquakes

7% of expected damage

Well above average · higher than 79% of U.S. places

Heat waves

7% of expected damage

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

Recorded about 12 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesWildfireLandslidesStrong 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 Pacific flood?

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

425paid claims since 1982

$15.4Mpaid to owners

92homes flooded more than once

19822026

Biggest named events

Early winter storms: 117 claims, $6.6M
March storm: 86 claims, $3.0M
Late spring severe storms: 80 claims, $4.2M

Homes that flooded again and again

Each house = 2 homes. ■ FEMA “severe repetitive loss” (18) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Franklin County.

What’s been done with FEMA grants

103flood-prone properties bought out and cleared

Disasters that hit Pacific

4 federal disasters brought FEMA money here

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

Brought FEMA money into PacificDeclared for Franklin County only

2025

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

9 households applied for aid

2017

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

83 households applied for aid $179K aid approved

2015

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

231 households applied for aid $755K aid approved

2008

Severe Storms and Flooding

132 households applied for aid $397K aid approved

Franklin County has had 21 natural disasters declared since 1953, most often severe storms and floods.

Around Pacific

Pacific and the towns around it

Very lowLowModerateHighVery high

Pacificmostly inland floodingVery high

Eurekamostly inland floodingHigh

Gray Summitmostly inland floodingHigh

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. Pacific covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Pacific’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Pacific. 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 Pacific total about $2.4M 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.