Natural hazards · Plato

Plato, MO natural hazards

Most of the natural-hazard damage FEMA expects in Plato comes from cold waves, and overall the risk is moderate for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Plato?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Plato to be higher than in 56% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves35%Inland flooding26%Heat waves11%Tornadoes9%Earthquakes8%Everything else11%

By hazard

What Plato faces

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

Cold waves

35% of expected damage

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

Recorded about 2 times a year in the area

Inland flooding

26% of expected damage

Above average · higher than 56% 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

9% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about once every 9 years in the area

Earthquakes

8% of expected damage

Well above average · higher than 80% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesStrong windLightning

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 Plato flood?

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

of all homes
are insured

No community discount. Plato 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.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Plato

3 federal disasters brought FEMA money here

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

Brought FEMA money into PlatoDeclared for Texas County only

2017

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

2 households applied for aid

2015

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

1 household applied for aid

2008

Severe Storms and Flooding

1 household applied for aid $2K aid approved

Texas County has had 23 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. Plato 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 Plato’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Plato. 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.