🌍 ClimateRiskCheck

Natural Disaster Risk in Helena

Missouri

5.0out of 10
Moderate Risk

Risk Summary for Helena

Helena scores 5.0/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Landslide.

Top Hazards

Landslide Drought Tornado

All 18 Hazard Scores

Landslide
7.6
Drought
7.5
Tornado
7.0
Hail
5.9
Extreme Heat
5.7
Wildfire
5.6
Cold Wave
5.5
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Ice Storm
4.7
Avalanche
4.5
Strong Wind
4.2
Winter Weather
3.7
Lightning
3.2
Earthquake
2.6
Hurricane
2.4
Riverine Flooding
1.0

How it compares

Helena
5.0
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: Helena, Missouri

Helena, in Andrew County, is a small community of about 507 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 Helena residents and property owners must navigate.

Helena's overall natural disaster risk is rated 5.0/10 (Moderate) by FEMA's National Risk Index. The area faces significant landslide risk, where mountainous topography and saturated soils during wet periods combine to create hazardous mass movement conditions. Secondary hazards include drought and tornado.

Within Missouri, Helena's risk is, slightly below the 5.9/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Andrew County identifies landslide as the foremost hazard, followed by drought and tornado. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, Helena 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 landslide is recommended.

What this means for Helena: Landslide preparedness

  • Have an evacuation plan ready during periods of intense or prolonged rainfall.
  • Watch for warning signs such as new cracks, tilting trees, or changes in water drainage on slopes.
  • Standard insurance generally excludes landslide and earth-movement damage β€” ask about specialized coverage.

Local Factors for Helena

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

Population

507

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 39.9Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 5.6/10

Coordinates

39.9313Β° N, 94.6502Β° W

Andrew 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 Helena

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Helena

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.