STATE RISK ROLL-UP

Missouri

Across 115 counties, FEMA rates 3 elevated or higher for overall natural-hazard risk. Here's what drives it — and where it concentrates.

How the counties rate

Low101

Moderate11

Elevated3

High0

Dominant hazards

The hazards most often rated elevated or higher across Missouri's counties:

Tornado — 9 counties
Winter weather — 9 counties
Drought — 6 counties
Extreme heat — 5 counties

Highest-risk counties

County	FEMA composite	Score
St. Louis County	Relatively High	99
St. Louis County	Relatively High	99
Jackson County	Relatively High	97
St. Charles County	Relatively Moderate	93
Jefferson County	Relatively Moderate	91
Clay County	Relatively Moderate	90

State figures are a roll-up of FEMA National Risk Index county data (counts and rankings), not an official FEMA state rating. Risk is an estimate from a public model, not a guarantee — verify your specific insurance needs with a licensed professional. See the methodology.

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FEMA National Risk Index · as of 2026-07-08