Natural Disaster Risk in Gilman City
Missouri
Risk Summary for Gilman City
Gilman City scores 5.4/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Drought.
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: Gilman City, Missouri
Gilman City, in Harrison County, is a small community of about 804 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 Gilman City residents and property owners must navigate.
Gilman City's overall natural disaster risk is rated 5.4/10 (Moderate) by FEMA's National Risk Index. The area faces significant drought exposure, where below-average precipitation over extended periods strains water resources and drives secondary hazards like wildfire and crop failure. Secondary hazards include landslide and heat.
Within Missouri, Gilman City's risk is, slightly below the 5.9/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Harrison County identifies drought as the foremost hazard, followed by landslide and heat. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
Gilman City's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that drought exposure is adequately protected is a worthwhile step for property owners.
What this means for Gilman City: Drought preparedness
- Follow local water-use restrictions, which may be enacted during severe drought conditions.
- Adopt water-efficient landscaping and fixtures to reduce strain during extended dry periods.
- Be aware that prolonged drought raises secondary risks including wildfire and foundation soil movement.
Local Factors for Gilman City
These city-level factors differentiate Gilman City from other communities in Harrison County and provide geographic context for its hazard exposure.
Population
804
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 40.2°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 6.5/10
Coordinates
40.1698° N, 93.8357° W
Harrison 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 Gilman City
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Gilman City
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.