Natural hazards · Trotter

Trotter, MO natural hazards

Most of the natural-hazard damage FEMA expects in Trotter comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 34 claims here since 1993.

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

Expected damage

How exposed is Trotter?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Trotter to be higher than in 63% of U.S. communities, mostly from inland flooding.

Inland flooding62%Drought13%Tornadoes10%Cold waves8%Everything else7%

By hazard

What Trotter faces

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

Inland flooding

62% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about 2 times a year in the area

Drought

13% of expected damage

Recorded about 15 times a year in the area

Tornadoes

10% of expected damage

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

Recorded about once every 5 years in the area

Cold waves

8% of expected damage

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

Recorded about 3 times a year in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Trotter flood?

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

34paid claims since 1993

$634Kpaid to owners

0homes flooded more than once

19932026

Biggest named events

Midwest Flooding: 2 claims, $14K
Late spring storms: 2 claims, $33K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Carroll County.

Disasters that hit Trotter

Federal disasters declared here

None of the disasters declared for Carroll County shows FEMA aid or repair money reaching Trotter itself in FEMA’s records.

Brought FEMA money into TrotterDeclared for Carroll County only

Carroll County has had 25 natural disasters declared since 1953, most often severe storms and floods.

Around Trotter

Trotter and the towns around it

Very lowLowModerateHighVery high

Trottermostly inland floodingHigh

Prairiemostly inland floodingHigh

Moss Creekmostly inland floodingHigh

Lesliemostly inland floodingHigh

Carrolltonmostly 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. Trotter covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Trotter’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Trotter. 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 Trotter total about $4.2M 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.