Natural hazards · Westphalia

Westphalia, MO natural hazards

Most of the natural-hazard damage FEMA expects in Westphalia comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 10 claims here since 1979. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Westphalia?

High

vs. U.S. communities

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

Inland flooding59%Heat waves14%Tornadoes13%Everything else15%

By hazard

What Westphalia faces

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

Inland flooding

59% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once a year in the area

Heat waves

14% of expected damage

Below average · higher than 39% of U.S. places

Recorded about 12 times a year in the area

Tornadoes

13% of expected damage

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

Recorded about once every 13 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesStrong 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 Westphalia flood?

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

10paid claims since 1979

$77Kpaid to owners

2homes flooded more than once

19792026

Biggest named events

Not a named storm: 1 claim, $17K
Midwest Flooding: 1 claim, $1K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Osage County.

Disasters that hit Westphalia

5 federal disasters brought FEMA money here

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

Brought FEMA money into WestphaliaDeclared for Osage County only

2019

Severe Storms, Tornadoes, and Flooding

2 households applied for aid $767 aid approved

2015

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

1 household applied for aid

2008

Severe Storms and Flooding

1 household applied for aid

2007

Severe Winter Storms

$1K to the City of Westphalia for repairs

2003

Severe Storms, Tornadoes, and Flooding

3 households applied for aid

Osage County has had 24 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. Westphalia 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 Westphalia’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Westphalia. 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.

Westphalia, MO natural hazards

How exposed is Westphalia?

What Westphalia faces

Inland flooding

Heat waves

Tornadoes

Lower here

Not a risk here

Does Westphalia flood?

Biggest named events

Homes that flooded again and again

5 federal disasters brought FEMA money here

Severe Storms, Tornadoes, and Flooding

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

Severe Storms and Flooding

Severe Winter Storms

Severe Storms, Tornadoes, and Flooding

How to read this page

Where to, neighbor?

Matches

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