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Natural hazards · Trenton

Trenton, MO natural hazards

Most of the natural-hazard damage FEMA expects in Trenton comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 1995. 7 federal disasters brought FEMA money into town.

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

How exposed is Trenton?

47
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Trenton to be higher than in 47% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding41%Tornadoes29%Cold waves10%Heat waves9%Everything else11%
By hazard

What Trenton faces

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

Inland flooding

41% of expected damage
Above average · higher than 60% of U.S. places
Recorded about once a year in the area

Tornadoes

29% of expected damage
Well above average · higher than 94% of U.S. places

Cold waves

10% of expected damage
Well above average · higher than 76% of U.S. places
Recorded about 4 times a year in the area

Heat waves

9% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about 9 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 Trenton flood?

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

3paid claims since 1995
$157Kpaid to owners
0homes flooded more than once
19952026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Trenton isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Grundy County.
Disasters that hit Trenton

7 federal disasters brought FEMA money here

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

Brought FEMA money into TrentonDeclared for Grundy County only
2019

Severe Storms, Tornadoes, and Flooding

$73K to the City of Trenton for repairs
2014

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

$78K to the City of Trenton for repairs
2011

Severe Winter Storm and Snowstorm

$12K to the City of Trenton for repairs
2010

Severe Storms, Flooding, and Tornadoes

$4K to the City of Trenton for repairs
2008

Severe Storms and Flooding

2 households applied for aid $8K to the City of Trenton for repairs
2007

Severe Winter Storms

$19K to the City of Trenton for repairs
2004

Severe Storms, Tornadoes, and Flooding

119 households applied for aid $61K aid approved
Grundy County has had 18 natural disasters declared since 1953, most often severe storms and ice storms.
Around Trenton

Trenton and the towns around it

Trenton: Moderate, mostly inland floodingLincoln: Moderate, mostly inland floodingMadison: High, mostly inland floodingMarion: Moderate, mostly inland floodingJackson: High, mostly inland floodingWilson: Moderate, mostly inland floodingJefferson: High, mostly inland floodingFranklin: High, mostly inland floodingHarrison: High, mostly inland floodingLiberty: Moderate, mostly inland floodingTrenton: Moderate, mostly inland flooding TrentonTrentonLincoln
Very lowLowModerateHighVery high
Lincolnmostly inland floodingModerate
Trentonmostly inland floodingModerate
Trentonmostly inland floodingModerate
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. Trenton covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Trenton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Trenton. 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 Trenton total about $3.3M 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
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