Natural hazards · Sturgeon

Sturgeon, MO natural hazards

Most of the natural-hazard damage FEMA expects in Sturgeon comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 1997. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Sturgeon?

Moderate

vs. U.S. communities

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

Inland flooding59%Tornadoes14%Heat waves7%Cold waves7%Everything else13%

By hazard

What Sturgeon faces

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

Inland flooding

59% of expected damage

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

Recorded about 3 times a year in the area

Tornadoes

14% of expected damage

Above average · higher than 59% of U.S. places

Recorded about once every 40 years in the area

Heat waves

7% of expected damage

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

Recorded about 12 times a year in the area

Cold waves

7% of expected damage

Above average · higher than 53% of U.S. places

Recorded about 2 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 Sturgeon flood?

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

1paid claims since 1997

$7Kpaid to owners

0homes flooded more than once

19972026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Boone County.

Disasters that hit Sturgeon

4 federal disasters brought FEMA money here

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

Brought FEMA money into SturgeonDeclared for Boone County only

2011

Severe Winter Storm and Snowstorm

$2K to the City of Sturgeon for repairs

2008

Severe Storms, Flooding, and a Tornado

4 households applied for aid $18K aid approved

2007

Severe Winter Storms and Flooding

$4K to the City of Sturgeon for repairs

2006

Severe Winter Storms

$2K to the City of Sturgeon for repairs

Boone County has had 23 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. Sturgeon 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 Sturgeon’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Sturgeon. 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.