Natural hazards · Somerset

Somerset, MO natural hazards

Most of the natural-hazard damage FEMA expects in Somerset 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 Somerset?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Somerset to be higher than in 52% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding45%Tornadoes17%Drought15%Cold waves9%Everything else14%

By hazard

What Somerset faces

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

Inland flooding

45% of expected damage

Above average · higher than 63% of U.S. places

Recorded about once every 3 years in the area

Tornadoes

17% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about once every 7 years in the area

Drought

15% of expected damage

Recorded about 12 times a year in the area

Cold waves

9% of expected damage

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

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Somerset flood?

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

Disasters that hit Somerset

Federal disasters declared here

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

Brought FEMA money into SomersetDeclared for Mercer County only

Mercer County has had 17 natural disasters declared since 1953, most often severe storms and ice storms.

Around Somerset

Somerset and the towns around it

Very lowLowModerateHighVery high

Yorkmostly inland floodingModerate

Somersetmostly inland floodingModerate

Marionmostly inland floodingModerate

Ravannamostly 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. Somerset 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 Somerset’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Somerset. 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.