Natural hazards · Reeds Spring

Reeds Spring, MO natural hazards

Most of the natural-hazard damage FEMA expects in Reeds Spring comes from strong winds, and overall the risk is high for a U.S. community. Flood insurance has paid 13 claims here since 1990. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Reeds Spring?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Reeds Spring to be higher than in 75% of U.S. communities, mostly from strong winds and inland flooding.

Strong wind41%Inland flooding34%Tornadoes7%Heat waves6%Everything else13%

By hazard

What Reeds Spring faces

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

Strong wind

41% of expected damage

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

Recorded about 6 times a year in the area

Inland flooding

34% of expected damage

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

Recorded about 3 times a year in the area

Tornadoes

7% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 28 years in the area

Heat waves

6% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about 13 times a year in the area

Lower here

HurricanesHailIce stormsWinter 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 Reeds Spring flood?

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

13paid claims since 1990

$495Kpaid to owners

3homes flooded more than once

19902026

Biggest named events

Hurricane Ike: 2 claims, $30K
Midwest Flooding: 2 claims, $4K
Mid-spring storms: 1 claim, $13K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Stone County.

Disasters that hit Reeds Spring

6 federal disasters brought FEMA money here

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

Brought FEMA money into Reeds SpringDeclared for Stone County only

2017

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

29 households applied for aid $41K aid approved $254K to the City of Reeds Spring for repairs

2015

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

7 households applied for aid $5K aid approved $30K to the City of Reeds Spring for repairs

2011

Severe Storms, Tornadoes, and Flooding

7 households applied for aid $22K aid approved

2008

Severe Storms, Flooding, and a Tornado

16 households applied for aid $39K aid approved

2008

Severe Storms and Flooding

36 households applied for aid $130K aid approved $29K to the City of Reeds Spring for repairs

2002

Severe Storms, Tornadoes and Flooding

$4K to the City of Reeds Spring for repairs

Stone County has had 18 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. Reeds Spring 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 Reeds Spring’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Reeds Spring. 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.