Natural hazards · Thayer

Thayer, MO natural hazards

Most of the natural-hazard damage FEMA expects in Thayer comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 2 claims here since 2011. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Thayer?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Thayer to be higher than in 80% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding36%Cold waves24%Tornadoes14%Earthquakes14%Heat waves6%Everything else7%

By hazard

What Thayer faces

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

Inland flooding

36% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 2 times a year in the area

Cold waves

24% of expected damage

Below average · higher than 35% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

14% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about once every 15 years in the area

Earthquakes

14% of expected damage

Well above average · higher than 84% of U.S. places

Heat waves

6% of expected damage

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

Recorded about 12 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesStrong 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 Thayer flood?

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

2paid claims since 2011

$20Kpaid to owners

0homes flooded more than once

20112026

Biggest named events

Mid-spring storms: 1 claim, $17K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Oregon County.

Disasters that hit Thayer

7 federal disasters brought FEMA money here

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

Brought FEMA money into ThayerDeclared for Oregon County only

2025

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

3 households applied for aid $2K aid approved $683K to the City of Thayer for repairs

2025

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

5 households applied for aid $2K aid approved

2017

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

13 households applied for aid $14K aid approved $16K to the City of Thayer for repairs

2009

Severe Winter Storm

$562K to the City of Thayer for repairs

2008

Severe Storms and Flooding

46 households applied for aid $77K aid approved $27K to the City of Thayer for repairs

2006

Severe Storms

$44K to the City of Thayer for repairs

2003

Severe Storms, Tornadoes, and Flooding

$9K to the City of Thayer for repairs

Oregon 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. Thayer 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 Thayer’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Thayer. 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.