🌍 ClimateRiskCheck

Natural Disaster Risk in Clarence

Missouri

4.8out of 10
Moderate Risk

Risk Summary for Clarence

Clarence scores 4.8/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Lightning.

Top Hazards

Lightning Extreme Heat Drought

All 18 Hazard Scores

Lightning
8.8
Extreme Heat
8.2
Drought
6.6
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Earthquake
4.7
Tornado
4.5
Landslide
4.5
Avalanche
4.5
Hail
4.4
Hurricane
4.3
Winter Weather
3.6
Cold Wave
3.5
Strong Wind
3.4
Wildfire
3.1
Ice Storm
2.8
Riverine Flooding
1.0

How it compares

Clarence
4.8
Missouri avg.
5.9
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” standard coverage usually sufficient

This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Clarence, Missouri

Located in the interior eastern United States in Shelby County, Clarence is a small community of about 1,560. The humid continental climate that characterizes this part of Missouri β€” marked by hot summers, cold winters, and collision of multiple air masses β€” directly influences the types and severity of natural hazards present, making Clarence a community where hazard awareness has real practical value.

FEMA rates Clarence's composite natural disaster risk at 4.8 out of 10 β€” moderate risk. Lightning from frequent convective storms is the leading natural hazard, with above-average strike density creating risks for outdoor activities, trees, and sensitive infrastructure. Residents should also account for heat and drought risk in their preparedness planning.

Relative to other U.S. communities, Clarence's natural disaster risk is near the U.S. national average of 4.5/10, slightly below the 5.9/10 state average. The hazard distribution here is led by lightning and heat, as measured by FEMA across Shelby County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a moderate risk rating, Clarence residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for lightning is recommended.

What this means for Clarence: Lightning preparedness

  • Follow the "when thunder roars, go indoors" rule and wait 30 minutes after the last thunder.
  • Avoid plumbing and corded electronics during active thunderstorms.
  • Install whole-home surge protection to shield electronics from strike-related power surges.

Local Factors for Clarence

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

Population

1,560

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 39.7Β°

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: 3.1/10

Coordinates

39.7258Β° N, 92.2368Β° W

Shelby 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 Clarence

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Clarence

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.