Natural hazards · Penermon

Penermon, MO natural hazards

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

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

Expected damage

How exposed is Penermon?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Penermon to be higher than in 81% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes44%Inland flooding19%Tornadoes10%Cold waves8%Strong wind6%Heat waves6%Everything else8%

By hazard

What Penermon faces

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

Earthquakes

44% of expected damage

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

Inland flooding

19% of expected damage

Below average · higher than 40% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

10% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 6 years in the area

Cold waves

8% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about once a year in the area

Strong wind

6% of expected damage

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

Recorded about 3 times a year in the area

Heat waves

6% of expected damage

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

Recorded about 12 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesLightningDrought

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 Penermon flood?

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

of all homes
are insured

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

Insurance rates: Stoddard County.

Disasters that hit Penermon

Federal disasters declared here

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

Brought FEMA money into PenermonDeclared for Stoddard County only

Stoddard County has had 22 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. Penermon 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 Penermon’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Penermon. 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.