🌍 ClimateRiskCheck

Natural Disaster Risk in Mercer County

Missouri

4.6out of 10
Moderate Risk

Risk Summary for Mercer County

Mercer County scores 4.6/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Landslide.

Top Hazards

Landslide Drought Wildfire

All 18 Hazard Scores

Landslide
8.2
Drought
8.0
Wildfire
5.5
Tsunami
5.4
Extreme Heat
5.3
Tornado
5.1
Volcanic Activity
5.1
Hail
5.0
Coastal Flooding
4.9
Avalanche
4.5
Cold Wave
4.3
Hurricane
4.1
Strong Wind
3.0
Earthquake
2.8
Winter Weather
2.7
Ice Storm
2.4
Lightning
2.1
Riverine Flooding
1.0

How it compares

Mercer County
4.6
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: Mercer County, Missouri

Situated in the United States, Mercer County in Missouri experiences a humid continental climate marked by hot summers, cold winters, and collision of multiple air masses. Year-round severe weather including tornadoes, ice storms, and floods is a defining feature of the regional hazard profile that affects residents and property owners countywide.

FEMA rates Mercer County's composite natural disaster risk at 4.6 out of 10 β€” moderate risk. Landslide and debris flow risk tops the local hazard profile, with steep terrain and periodic heavy rainfall creating conditions for rapid slope failure in vulnerable areas. Residents should also account for drought and wildfire risk in their preparedness planning.

Relative to other U.S. communities, Mercer County'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 landslide and drought, as measured by FEMA across Mercer County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a moderate risk rating, Mercer County 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 Mercer County: Landslide preparedness

  • Standard insurance generally excludes landslide and earth-movement damage β€” ask about specialized coverage.
  • 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.

Cities in Mercer County

ZIP codes in Mercer County

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. For informational purposes only.