Natural hazards · Wortham

Wortham, MO natural hazards

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

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

Expected damage

How exposed is Wortham?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Wortham to be higher than in 69% of U.S. communities, mostly from inland flooding and heat waves.

Inland flooding36%Heat waves19%Tornadoes13%Earthquakes13%Cold waves8%Strong wind6%Everything else5%

By hazard

What Wortham faces

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

Inland flooding

36% of expected damage

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

Recorded about once a year in the area

Heat waves

19% of expected damage

Above average · higher than 65% of U.S. places

Recorded about 11 times a year in the area

Tornadoes

13% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 45 years in the area

Earthquakes

13% of expected damage

Well above average · higher than 82% of U.S. places

Cold waves

8% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about once a year in the area

Strong wind

6% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 4 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 Wortham flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: St. Francois County.

Disasters that hit Wortham

Federal disasters declared here

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

Brought FEMA money into WorthamDeclared for St. Francois County only

St. Francois County has had 18 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. Wortham 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 Wortham’s own flood-insurance community; household aid to the registrant’s city; repair grants to Wortham. 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.