Natural hazards · Sunrise Beach

Sunrise Beach, MO natural hazards

Most of the natural-hazard damage FEMA expects in Sunrise Beach comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 2 claims here since 2015. 6 federal disasters brought FEMA money into town.

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

How exposed is Sunrise Beach?

78
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Sunrise Beach to be higher than in 78% of U.S. communities, mostly from inland flooding.

Inland flooding81%Tornadoes6%Everything else13%
By hazard

What Sunrise Beach faces

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

Inland flooding

81% of expected damage
Well above average · higher than 91% of U.S. places
Recorded about 3 times a year in the area

Tornadoes

6% of expected damage
Well above average · higher than 76% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Sunrise Beach flood?

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

2paid claims since 2015
$43Kpaid to owners
0homes flooded more than once
20152026

Biggest named events

  • Early winter storms: 1 claim, $17K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Sunrise Beach isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Camden County.
Disasters that hit Sunrise Beach

6 federal disasters brought FEMA money here

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

Brought FEMA money into Sunrise BeachDeclared for Camden County only
2025

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

1 household applied for aid
2019

Severe Storms, Tornadoes, and Flooding

$41K to the Village of Sunrise Beach for repairs
2017

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

$13K to the Village of Sunrise Beach for repairs
2015

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

8 households applied for aid $8K aid approved
2011

Severe Winter Storm and Snowstorm

$6K to the Village of Sunrise Beach for repairs
2003

Severe Storms, Tornadoes, and Flooding

7 households applied for aid $4K aid approved
Camden County has had 22 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. Sunrise Beach covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Sunrise Beach’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Village of Sunrise Beach. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Sunrise Beach total about $2.6M a year, counting buildings, people and crops.

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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01