Natural hazards · Saginaw

Saginaw, MO natural hazards

Most of the natural-hazard damage FEMA expects in Saginaw comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 7 claims here since 1983. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Saginaw?

Moderate

vs. U.S. communities

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

Inland flooding53%Tornadoes18%Heat waves8%Ice storms6%Everything else15%

By hazard

What Saginaw faces

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

Inland flooding

53% of expected damage

Above average · higher than 65% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

18% of expected damage

Well above average · higher than 75% of U.S. places

Heat waves

8% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 15 times a year in the area

Ice storms

6% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesHailWinter weatherCold wavesWildfireEarthquakesLandslidesStrong 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 Saginaw flood?

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

7paid claims since 1983

$146Kpaid to owners

3homes flooded more than once

19832026

Biggest named events

Late spring severe storms: 2 claims, $79K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Newton County.

Disasters that hit Saginaw

1 federal disaster brought FEMA money here

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

Brought FEMA money into SaginawDeclared for Newton County only

2007

Severe Winter Storms

$7K to the Village of Saginaw for repairs

Newton County has had 24 natural disasters declared since 1953, most often severe storms and floods.

Around Saginaw

Saginaw and the towns around it

Very lowLowModerateHighVery high

Joplinmostly inland floodingModerate

Saginawmostly inland floodingModerate

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. Saginaw 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 Saginaw’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Saginaw. 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.