Natural hazards · Zalma

Zalma, MO natural hazards

Most of the natural-hazard damage FEMA expects in Zalma comes from inland flooding, and overall the risk is very high for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Zalma?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Zalma to be higher than in 85% of U.S. communities, mostly from inland flooding.

Inland flooding45%Tornadoes14%Earthquakes12%Cold waves11%Strong wind6%Heat waves5%Everything else6%

By hazard

What Zalma faces

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

Inland flooding

45% of expected damage

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

Recorded about 2 times a year in the area

Tornadoes

14% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once every 5 years in the area

Earthquakes

12% of expected damage

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

Cold waves

11% 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 98% of U.S. places

Recorded about 3 times a year in the area

Heat waves

5% of expected damage

Above average · higher than 67% of U.S. places

Recorded about 11 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesLightningDrought

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 Zalma flood?

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

of all homes
are insured

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

Insurance rates: Bollinger County.

Disasters that hit Zalma

4 federal disasters brought FEMA money here

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

Brought FEMA money into ZalmaDeclared for Bollinger County only

2025

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

4 households applied for aid $21K aid approved

2017

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

13 households applied for aid $69K aid approved

2011

Severe Storms, Tornadoes, and Flooding

6 households applied for aid $19K aid approved

2008

Severe Storms and Flooding

42 households applied for aid $332K aid approved

Bollinger 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. Zalma 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 Zalma’s own flood-insurance community; household aid to the registrant’s city; repair grants to Zalma. 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.