Natural hazards · Vandalia

Vandalia, MO natural hazards

Most of the natural-hazard damage FEMA expects in Vandalia comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 11 claims here since 1980. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Vandalia?

Moderate

vs. U.S. communities

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

Inland flooding40%Heat waves16%Earthquakes12%Cold waves10%Tornadoes10%Everything else12%

By hazard

What Vandalia faces

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

Inland flooding

40% of expected damage

Above average · higher than 58% of U.S. places

Recorded about once a year in the area

Heat waves

16% of expected damage

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

Recorded about 11 times a year in the area

Earthquakes

12% of expected damage

Well above average · higher than 79% of U.S. places

Cold waves

10% of expected damage

Below average · higher than 46% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

10% of expected damage

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

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesStrong 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 Vandalia flood?

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

11paid claims since 1980

$568Kpaid to owners

2homes flooded more than once

19802026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Audrain County.

Disasters that hit Vandalia

6 federal disasters brought FEMA money here

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

Brought FEMA money into VandaliaDeclared for Audrain County only

2021

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

$6K to the City of Vandalia for repairs

2015

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

$33K to the City of Vandalia for repairs

2011

Severe Winter Storm and Snowstorm

$4K to the City of Vandalia for repairs

2008

Severe Storms and Flooding

$61K to the City of Vandalia for repairs

2007

Severe Winter Storms

$124K to the City of Vandalia for repairs

2003

Severe Storms, Tornadoes, and Flooding

1 household applied for aid $5K aid approved

Audrain County has had 13 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. Vandalia covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Vandalia’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Vandalia. 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 Vandalia total about $1.5M 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.