Natural hazards · White Cloud

White Cloud, MO natural hazards

Most of the natural-hazard damage FEMA expects in White Cloud comes from inland flooding, and overall the risk is high for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is White Cloud?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in White Cloud to be higher than in 72% of U.S. communities, mostly from inland flooding and drought.

Inland flooding50%Drought17%Tornadoes16%Cold waves6%Everything else11%

By hazard

What White Cloud faces

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

Inland flooding

50% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once a year in the area

Drought

17% of expected damage

Recorded about 19 times a year in the area

Tornadoes

16% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 4 years in the area

Cold waves

6% of expected damage

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

Recorded about 5 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 White Cloud flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Nodaway County.

Disasters that hit White Cloud

2 federal disasters brought FEMA money here

Disasters the President declared that paid out in White Cloud itself: aid to households, or repair grants to the Township of White Cloud.

Brought FEMA money into White CloudDeclared for Nodaway County only

2014

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

$10K to the Township of White Cloud for repairs

2007

Severe Storms and Flooding

$6K to the Township of White Cloud for repairs

Nodaway County has had 19 natural disasters declared since 1953, most often severe storms and floods.

Around White Cloud

White Cloud and the towns around it

Very lowLowModerateHighVery high

White Cloudmostly inland floodingHigh

Hughesmostly inland floodingHigh

Grantmostly inland floodingHigh

Polkmostly 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. White Cloud 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 White Cloud’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of White Cloud. 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.