🌍 ClimateRiskCheck

Natural Disaster Risk in Chaffee

Missouri

6.8out of 10
High Risk

Risk Summary for Chaffee

Chaffee scores 6.8/10 (High risk), above the U.S. average of 4.5. The leading hazard is Earthquake.

Top Hazards

Earthquake Ice Storm Tornado

All 18 Hazard Scores

Earthquake
9.7
Ice Storm
9.3
Tornado
9.1
Strong Wind
8.9
Extreme Heat
8.7
Winter Weather
8.4
Drought
7.8
Cold Wave
7.2
Lightning
6.7
Hail
6.2
Landslide
6.1
Hurricane
6.0
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Wildfire
2.2
Riverine Flooding
1.0

How it compares

Chaffee
6.8
Missouri avg.
5.9
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” 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: Chaffee, Missouri

Chaffee, in Scott County, is a town of roughly 5,165 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 Chaffee residents and property owners must navigate.

Chaffee's overall natural disaster risk is rated 6.8/10 (High) by FEMA's National Risk Index. The area's position within a seismically active region makes earthquake preparedness a top priority for residents and property owners alike. Secondary hazards include ice storm and tornado.

Within Missouri, Chaffee'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 Scott County identifies earthquake as the foremost hazard, followed by ice storm and tornado. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, Chaffee residents benefit from taking preparedness seriously. Reviewing insurance coverage for earthquake and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for Chaffee: Earthquake preparedness

  • Identify "drop, cover, and hold on" spots in each room and keep an emergency kit with water for at least 72 hours.
  • Standard homeowners insurance excludes earthquake damage β€” a separate earthquake policy or endorsement is needed.
  • Secure heavy furniture, water heaters, and shelving to wall studs to reduce injury and damage during shaking.

Local Factors for Chaffee

These city-level factors differentiate Chaffee from other communities in Scott County and provide geographic context for its hazard exposure.

Population

5,165

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 37.2Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Lower β€” moist climate limits wildfire frequency

Fire score: 2.2/10

Coordinates

37.1756Β° N, 89.6856Β° W

Scott 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 Chaffee

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Chaffee

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.