Natural hazards · Vandiver

Vandiver, MO natural hazards

Most of the natural-hazard damage FEMA expects in Vandiver comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Vandiver?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Vandiver to be higher than in 43% of U.S. communities, mostly from inland flooding.

Inland flooding47%Heat waves13%Earthquakes11%Tornadoes10%Cold waves8%Everything else11%

By hazard

What Vandiver faces

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

Inland flooding

47% of expected damage

Above average · higher than 55% of U.S. places

Recorded about once a year in the area

Heat waves

13% of expected damage

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

Recorded about 11 times a year in the area

Earthquakes

11% of expected damage

Well above average · higher than 78% of U.S. places

Tornadoes

10% of expected damage

Above average · higher than 68% of U.S. places

Cold waves

8% of expected damage

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

Recorded about 3 times a year in the area

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 Vandiver flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Vandiver 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 Vandiver

Federal disasters declared here

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

Brought FEMA money into VandiverDeclared for Audrain County only

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