Natural Disaster Risk in Cross Timbers
Missouri
Risk Summary for Cross Timbers
Cross Timbers scores 5.5/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Ice Storm.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — 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: Cross Timbers, Missouri
Located in the interior eastern United States in Hickory County, Cross Timbers is a small community of about 606. The humid continental climate that characterizes this part of Missouri — marked by hot summers, cold winters, and collision of multiple air masses — directly influences the types and severity of natural hazards present, making Cross Timbers a community where hazard awareness has real practical value.
Cross Timbers's overall natural disaster risk is rated 5.5/10 (Moderate) by FEMA's National Risk Index. The area faces significant ice storm exposure, where the thermal profile of the atmosphere during winter storms frequently delivers freezing rain rather than snow. Secondary hazards include wildfire and heat.
Relative to other U.S. communities, Cross Timbers's natural disaster risk is above the U.S. national average of 4.5/10, slightly below the 5.9/10 state average. The hazard distribution here is led by ice storm and wildfire, as measured by FEMA across Hickory County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a moderate risk rating, Cross Timbers residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for ice storm is recommended.
What this means for Cross Timbers: Ice Storm preparedness
- Keep walkways treated and avoid travel during freezing-rain events.
- Have a backup heat source and charged devices ready before winter storms arrive.
- Prepare for multi-day power outages, as ice accretion frequently downs power lines.
Local Factors for Cross Timbers
These city-level factors differentiate Cross Timbers from other communities in Hickory County and provide geographic context for its hazard exposure.
Population
606
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 38.0°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 7.3/10
Coordinates
38.0236° N, 93.1883° W
Hickory 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 Cross Timbers
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Cross Timbers
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.