Natural hazards · Prairie Home

Prairie Home, MO natural hazards

Most of the natural-hazard damage FEMA expects in Prairie Home comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Prairie Home?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Prairie Home to be higher than in 59% of U.S. communities, mostly from inland flooding.

Inland flooding51%Tornadoes14%Cold waves10%Heat waves10%Drought9%Everything else7%

By hazard

What Prairie Home faces

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

Inland flooding

51% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

14% of expected damage

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

Recorded about once every 9 years in the area

Cold waves

10% of expected damage

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

Recorded about 2 times a year in the area

Heat waves

10% of expected damage

Below average · higher than 39% of U.S. places

Recorded about 12 times a year in the area

Drought

9% of expected damage

Recorded about 15 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightning

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 Prairie Home flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Cooper County.

Disasters that hit Prairie Home

Federal disasters declared here

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

Brought FEMA money into Prairie HomeDeclared for Cooper County only

Cooper County has had 20 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. Prairie Home 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 Prairie Home’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Prairie Home. 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.