Natural Disaster Risk in Bonne Terre
Missouri
Risk Summary for Bonne Terre
Bonne Terre scores 6.9/10 (High risk), above the U.S. average of 4.5. The leading hazard is Extreme Heat.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — check your policy limits
Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Bonne Terre, Missouri
Bonne Terre, in St. Francois County, is a city of approximately 16,416 residents situated in the interior eastern United States. Its humid continental climate brings hot summers, cold winters, and collision of multiple air masses, and in particular year-round severe weather including tornadoes, ice storms, and floods. These conditions collectively define the natural hazard environment that Bonne Terre residents and property owners must navigate.
Bonne Terre's overall natural disaster risk is rated 6.9/10 (High) by FEMA's National Risk Index. The threat of extreme heat dominates the local risk profile, with the area experiencing heat waves that drive heat-related illness and place significant demand on energy infrastructure. Secondary hazards include wind and earthquake.
Within Missouri, Bonne Terre's risk is, slightly above the 5.9/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of St. Francois County identifies heat as the foremost hazard, followed by wind and earthquake. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
Bonne Terre's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.
What this means for Bonne Terre: Extreme Heat preparedness
- Stay hydrated and limit outdoor activity during the hottest hours when heat advisories are issued.
- Ensure reliable air conditioning and identify nearby cooling centers for extreme heat days.
- Check on elderly neighbors and never leave children or pets in parked vehicles.
Local Factors for Bonne Terre
These city-level factors differentiate Bonne Terre from other communities in St. Francois County and provide geographic context for its hazard exposure.
Population
16,416
SuburbanGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 37.9°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 6.3/10
Coordinates
37.9392° N, 90.5247° W
St. Francois County
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for Bonne Terre
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Bonne Terre
Other cities in Missouri
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.