Natural hazards · Tracy

Tracy, MO natural hazards

Most of the natural-hazard damage FEMA expects in Tracy comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 6 claims here since 1982. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Tracy?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Tracy to be higher than in 46% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding42%Tornadoes20%Cold waves13%Heat waves10%Hail5%Everything else10%

By hazard

What Tracy faces

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

Inland flooding

42% of expected damage

Above average · higher than 56% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

20% of expected damage

Well above average · higher than 92% of U.S. places

Cold waves

13% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 3 times a year in the area

Heat waves

10% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 15 times a year in the area

Hail

5% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 9 times a year in the area

Lower here

Ice stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 Tracy flood?

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

6paid claims since 1982

$40Kpaid to owners

0homes flooded more than once

19822026

Biggest named events

Midwest Flooding: 3 claims, $28K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Platte County.

What’s been done with FEMA grants

17flood-prone properties bought out and cleared

Disasters that hit Tracy

1 federal disaster brought FEMA money here

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

Brought FEMA money into TracyDeclared for Platte County only

2007

Severe Storms and Flooding

$5K to the City of Tracy for repairs

Platte County has had 22 natural disasters declared since 1953, most often floods and severe storms.

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