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Natural hazards · Urbana

Urbana, MO natural hazards

Most of the natural-hazard damage FEMA expects in Urbana comes from inland flooding, and overall the risk is high for a U.S. community. 6 federal disasters brought FEMA money into town.

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

How exposed is Urbana?

79
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Urbana to be higher than in 79% of U.S. communities, mostly from inland flooding.

Inland flooding44%Ice storms15%Tornadoes12%Heat waves7%Lightning6%Everything else17%
By hazard

What Urbana faces

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

Inland flooding

44% of expected damage
Well above average · higher than 79% of U.S. places
Recorded about 3 times a year in the area

Ice storms

15% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about once a year in the area

Tornadoes

12% of expected damage
Well above average · higher than 88% of U.S. places
Recorded about once every 6 years in the area

Heat waves

7% of expected damage
Well above average · higher than 83% of U.S. places
Recorded about 13 times a year in the area

Lightning

6% of expected damage
Above average · higher than 63% of U.S. places

Lower here

HurricanesHailWinter weatherCold wavesWildfireEarthquakesLandslidesStrong windDrought

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 Urbana flood?

FEMA's records show no paid flood insurance claims in Urbana.

of homes in flood zones
are insured
of all homes
are insured
No community discount. Urbana isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Dallas County.

What’s been done with FEMA grants

4storm safe rooms built
Disasters that hit Urbana

6 federal disasters brought FEMA money here

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

Brought FEMA money into UrbanaDeclared for Dallas County only
2015

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

1 household applied for aid
2011

Severe Winter Storm and Snowstorm

$1K to the City of Urbana for repairs
2009

Severe Storms, Tornadoes, and Flooding

2 households applied for aid $3K aid approved $9K to the City of Urbana for repairs
2007

Severe Winter Storms and Flooding

$27K to the City of Urbana for repairs
2003

Severe Storms, Tornadoes, and Flooding

34 households applied for aid $156K aid approved $861 to the City of Urbana for repairs
2002

Severe Storms, Tornadoes and Flooding

$29K to the City of Urbana for repairs
Dallas County has had 20 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. Urbana 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 Urbana’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Urbana. 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.

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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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