Natural Disaster Risk in Stone County
Missouri
Risk Summary for Stone County
Stone County scores 6.9/10 (High risk), above the U.S. average of 4.5. The leading hazard is Strong Wind.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — 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: Stone County, Missouri
Stone County, in the United States in Missouri, is characterized by its humid continental climate — hot summers, cold winters, and collision of multiple air masses. The county faces year-round severe weather including tornadoes, ice storms, and floods, and its FEMA risk assessment establishes the hazard baseline shared by all the towns and cities it contains.
According to FEMA's National Risk Index, Stone County carries an overall risk score of 6.9/10, placing it in the high category. High-wind events from severe thunderstorms and derechos are the leading hazard, with damaging gusts capable of downing trees and causing widespread structural damage. The area also faces notable exposure to ice storm and landslide.
Within Missouri, Stone County'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 Stone County identifies wind as the foremost hazard, followed by ice storm and landslide. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a high natural disaster risk rating, Stone County residents benefit from taking preparedness seriously. Reviewing insurance coverage for wind 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 Stone County: Strong Wind preparedness
- Confirm your policy covers wind damage and keep an inventory of property for claims.
- Inspect and reinforce roofing, siding, and garage doors, which are common failure points in high winds.
- Secure or store outdoor furniture and loose objects that can become projectiles.
Cities in Stone County
ZIP codes in Stone County
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. For informational purposes only.