Natural Disaster Risk in Freeman
Missouri
Risk Summary for Freeman
Freeman scores 6.7/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hail.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π 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: Freeman, Missouri
Freeman, in Cass County, is a small community of about 1,502 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 Freeman residents and property owners must navigate.
According to FEMA's National Risk Index, Freeman carries an overall risk score of 6.7/10, placing it in the high category. Large hail is the dominant natural hazard, with supercell thunderstorms regularly producing damaging hailstones capable of destroying crops, vehicles, and roofs. The area also faces notable exposure to wind and tornado.
Within Missouri, Freeman'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 Cass County identifies hail as the foremost hazard, followed by wind 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, Freeman residents benefit from taking preparedness seriously. Reviewing insurance coverage for hail 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 Freeman: Hail preparedness
- Document roof and property condition annually to streamline any future hail claims.
- Impact-resistant (Class 4) roofing can reduce hail damage and may lower insurance premiums.
- Park vehicles under cover when severe storms are forecast to avoid costly hail damage.
Local Factors for Freeman
These city-level factors differentiate Freeman from other communities in Cass County and provide geographic context for its hazard exposure.
Population
1,502
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 38.6Β°
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: 3.8/10
Coordinates
38.6105Β° N, 94.4930Β° W
Cass 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 Freeman
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Freeman
Other cities in Missouri
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.