Natural hazards · Terre du Lac

Terre du Lac, MO natural hazards

Most of the natural-hazard damage FEMA expects in Terre du Lac comes from inland flooding, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Terre du Lac?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Terre du Lac to be higher than in 66% of U.S. communities, mostly from inland flooding and heat waves.

Inland flooding40%Heat waves19%Tornadoes14%Earthquakes8%Strong wind8%Cold waves7%Everything else5%

By hazard

What Terre du Lac faces

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

Inland flooding

40% of expected damage

Above average · higher than 74% of U.S. places

Recorded about once a year in the area

Heat waves

19% of expected damage

Above average · higher than 65% of U.S. places

Recorded about 11 times a year in the area

Tornadoes

14% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 78 years in the area

Earthquakes

8% of expected damage

Well above average · higher than 79% of U.S. places

Strong wind

8% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 4 times a year in the area

Cold waves

7% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesLightning

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 Terre du Lac flood?

FEMA's records show no paid flood insurance claims in Terre du Lac.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: St. Francois County.

Disasters that hit Terre du Lac

Federal disasters declared here

None of the disasters declared for St. Francois County shows FEMA aid or repair money reaching Terre du Lac itself in FEMA’s records.

Brought FEMA money into Terre du LacDeclared for St. Francois County only

St. Francois County has had 18 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. Terre du Lac covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Terre du Lac’s own flood-insurance community; household aid to the registrant’s city; repair grants to Terre du Lac. 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 Terre du Lac total about $1.4M 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.