Natural hazards · Winona

Winona, MO natural hazards

Most of the natural-hazard damage FEMA expects in Winona comes from cold waves, and overall the risk is very high for a U.S. community. Flood insurance has paid 9 claims here since 1979. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Winona?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Winona to be higher than in 80% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves46%Inland flooding28%Earthquakes7%Heat waves6%Tornadoes5%Strong wind5%Everything else3%

By hazard

What Winona faces

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

Cold waves

46% of expected damage

Below average · higher than 35% of U.S. places

Recorded about 2 times a year in the area

Inland flooding

28% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 3 times a year in the area

Earthquakes

7% of expected damage

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

Heat waves

6% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about 12 times a year in the area

Tornadoes

5% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about once every 6 years in the area

Strong wind

5% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Winona flood?

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

9paid claims since 1979

$55Kpaid to owners

1homes flooded more than once

19792026

Biggest named events

Mid-spring storms: 1 claim, $3K
March storm: 1 claim, $4K
Not a named storm: 1 claim, $6K

Homes that flooded again and again

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

of all homes
are insured

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

Insurance rates: Shannon County.

Disasters that hit Winona

6 federal disasters brought FEMA money here

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

Brought FEMA money into WinonaDeclared for Shannon County only

2024

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

1 household applied for aid

2017

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

26 households applied for aid $60K aid approved

2011

Severe Storms, Tornadoes, and Flooding

$15K to the City of Winona for repairs

2009

Severe Storms, Tornadoes, and Flooding

2 households applied for aid $2K aid approved

2008

Severe Storms and Flooding

64 households applied for aid $89K aid approved $76K to the City of Winona for repairs

2008

Severe Winter Storms and Flooding

$11K to the City of Winona for repairs

Shannon County has had 22 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. Winona 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 Winona’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Winona. 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.

Winona, MO natural hazards

How exposed is Winona?

What Winona faces

Cold waves

Inland flooding

Earthquakes

Heat waves

Tornadoes

Strong wind

Lower here

Not a risk here

Does Winona flood?

Biggest named events

Homes that flooded again and again

6 federal disasters brought FEMA money here

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

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

Severe Storms, Tornadoes, and Flooding

Severe Storms, Tornadoes, and Flooding

Severe Storms and Flooding

Severe Winter Storms and Flooding

How to read this page

Where to, neighbor?

Matches

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