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Missouri · Risk Readiness
What's actually likely where you live.
Before the emergency — maps, tools, and the honest picture of what Missouri throws at different parts of the state.
See MO hazardsMO hazard profile
Primary hazards. Ranked.
Missouri averages 27 tornadoes per year but experiences catastrophic outbreak events. The May 22, 2011 Joplin EF-5 killed 161 people — the deadliest single US tornado since 1947. The spring season (April–May) and fall (October–November) are both active. The Ozarks terrain can mask tornado approach until it's very close. Southeastern Missouri sits directly over the New Madrid Seismic Zone. The 1811-1812 earthquakes — estimated magnitude 7.5-8.0 — were felt from Canada to the Gulf and rang church bells in Boston. A comparable event today would catastrophically damage St. Louis, Memphis, and dozens of smaller cities. Missouri buildings were not designed for earthquake loads. The Missouri and Mississippi rivers have flooded catastrophically multiple times — 1993 (the Great Flood), 2019, and numerous other events. St. Louis sits at the confluence of both rivers. Missouri River communities from Kansas City to St. Charles face recurring flood risk. Flash flooding in the Ozarks is fast and deadly.
Tornadoes
Occur across most of the state, often embedded in severe thunderstorm lines and tropical systems.
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Earthquakes
Seismic activity along fault systems creates significant ground-shaking risk.
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Flooding
Flash floods, river flooding, and coastal surge affect low-lying areas and river corridors.
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Severe thunderstorms
Damaging winds, hail, and lightning — the most frequent hazard in most US states.
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Heat waves
Extreme heat events endanger vulnerable residents and stress power infrastructure.
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Official tools
Look up your address. Know your risk.
FEMA Flood Zone Lookup
Enter your address to see your flood zone designation and insurance requirements.
Source: FEMA
USGS Earthquake Map
Real-time earthquake activity and seismic hazard maps for your region.
Source: USGS
Wildfire Risk Score
Your property's wildfire exposure score based on vegetation, terrain, and proximity to wildland.
Source: USFS
River Gauges
Real-time river levels and flood stage by county.
Source: USGS WaterWatch
Drought Monitor
Weekly drought conditions by county.
Source: US Drought Monitor
Private Well Resources
Water quality guidance for households on private wells.
Source: EPA
Insurance gaps
What your homeowner's policy doesn't cover.
Standard homeowner's policies in Missouri exclude flood damage. Flood insurance through the NFIP has a 30-day waiting period — it cannot be purchased when a storm is forecast. Check your declarations page annually to confirm your coverage limits and deductibles.
Not in your standard policy
Flood damage — requires NFIP or private flood policy
Earthquake damage — requires separate endorsement
Sewer & drain backup — requires endorsement ($50–$100/yr)
Landslide / mudflow — generally excluded
Next steps
Where do you want to go next?
During an emergency
Find alerts, contacts, and shelters.
NC emergency contacts, alert signups, and real-time information.
Local EmergencyGet prepared
Run through the MO checklist.
Step-by-step actions based on the hazards that apply to Missouri.
MO Checklists