Stewartsville’s biggest natural hazard is inland flooding
Most of the natural-hazard damage FEMA expects in Stewartsville comes from inland flooding, and overall the risk is moderate for a U.S. community. 4 federal disasters brought FEMA money into town.
What stands out about Stewartsville’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
Does Stewartsville flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Stewartsville. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Stewartsville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: DeKalb County.How exposed is Stewartsville?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 53% of U.S. communities, mostly from inland flooding and tornadoes.
Calmer than 931 of the 1,353 Missouri towns we cover.
Stewartsville is smaller than a census tract, so it shares the figures of the tract around its center.
What Stewartsville faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Inland flooding
Tornadoes
Drought
Cold waves
4 federal disasters brought FEMA money to Stewartsville
Disasters that paid out in Stewartsville itself (aid to households or repair grants to the City of Stewartsville) and its biggest flood years.
- 2011Severe Winter Storm and Snowstorm$2K to the City of Stewartsville for repairs
- 2007Severe Winter Storms$29K to the City of Stewartsville for repairs
- 2007Severe Storms and Flooding1 household applied for aid
- 2004Severe Storms, Tornadoes, and Flooding2 households applied for aid
DeKalb County has had 18 natural disasters declared since 1953, most often severe storms and floods.
Old photos of Stewartsville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Stewartsville archive →Get ready for what Stewartsville actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- On a well? Know how deep it is and watch for sputtering.
- Follow the town’s watering limits.
- Fix drips: they add up.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Stewartsville and its neighbors
How storm and flood risk compares across the town line. Tap a town to see its hazards.
| Town | Rating | Mostly | Flood claims |
|---|---|---|---|
| Stewartsville | Moderate | inland flooding | 0 |
| Washington | Moderate | inland flooding | 0 |
Rating = expected yearly storm and flood damage as a share of what’s there, vs. U.S. communities. Flood claims = paid federal flood insurance claims on record.
Most disasters here begin in April–June
The month each of DeKalb County’s 18 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Stewartsville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Stewartsville.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels.
Storm stories
Memories, warnings and help from neighbors in Stewartsville.
Your answer becomes a post in Town Square.
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. Weather alerts: National Weather Service. Preparedness tips: Ready.gov. An average of past damage, not a forecast.