Natural Disaster Risk in Monroe City
Missouri
Risk Summary for Monroe City
Monroe City scores 5.7/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Extreme Heat.
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: Monroe City, Missouri
Located in the interior eastern United States in Marion County, Monroe City is a town of roughly 4,749 residents. 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 Monroe City a community where hazard awareness has real practical value.
Monroe City's overall natural disaster risk is rated 5.7/10 (Moderate) by FEMA's National Risk Index. Heat wave risk stands out as the primary natural hazard here, with above-average summer temperatures amplified by urban heat island effects in developed areas. Secondary hazards include landslide and wind.
Relative to other U.S. communities, Monroe City's natural disaster risk is above the U.S. national average of 4.5/10, near the 5.9/10 state average. The hazard distribution here is led by heat and landslide, as measured by FEMA across Marion County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
Monroe 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 heat exposure is adequately protected is a worthwhile step for property owners.
What this means for Monroe City: Extreme Heat preparedness
- Check on elderly neighbors and never leave children or pets in parked vehicles.
- Stay hydrated and limit outdoor activity during the hottest hours when heat advisories are issued.
- Ensure reliable air conditioning and identify nearby cooling centers for extreme heat days.
Local Factors for Monroe City
These city-level factors differentiate Monroe City from other communities in Marion County and provide geographic context for its hazard exposure.
Population
4,749
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 39.7°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 3.9/10
Coordinates
39.6536° N, 91.7269° W
Marion 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 Monroe City
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Monroe 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.