Natural hazards · Stover

Stover, MO natural hazards

Most of the natural-hazard damage FEMA expects in Stover comes from inland flooding, and overall the risk is high for a U.S. community. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Stover?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Stover to be higher than in 62% of U.S. communities, mostly from inland flooding.

Inland flooding51%Tornadoes14%Cold waves12%Heat waves10%Everything else14%

By hazard

What Stover 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 76% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

14% of expected damage

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

Recorded about once every 14 years in the area

Cold waves

12% of expected damage

Below average · higher than 42% of U.S. places

Recorded about 3 times a year in the area

Heat waves

10% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about 13 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Stover flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Morgan County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Stover

5 federal disasters brought FEMA money here

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

Brought FEMA money into StoverDeclared for Morgan County only

2015

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

13 households applied for aid $9K aid approved

2007

Severe Winter Storms

$5K to the City of Stover for repairs

2007

Severe Storms and Flooding

1 household applied for aid

2006

Severe Storms, Tornadoes and Flooding

3 households applied for aid $3K aid approved

2003

Severe Storms, Tornadoes, and Flooding

1 household applied for aid

Morgan County has had 21 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. Stover 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 Stover’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Stover. 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.