Natural Disaster Risk in Summersville
Missouri
Risk Summary for Summersville
Summersville scores 6.5/10 (High risk), above the U.S. average of 4.5. The leading hazard is Cold Wave.
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: Summersville, Missouri
Summersville, in Texas County, is a small community of about 1,762 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 Summersville residents and property owners must navigate.
Summersville's overall natural disaster risk is rated 6.5/10 (High) by FEMA's National Risk Index. Cold wave events are the primary hazard risk, driven by periodic invasions of Arctic air that drive wind chills to life-threatening levels and stress heating systems. Secondary hazards include heat and ice storm.
Within Missouri, Summersville's risk is, slightly above the 5.9/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Texas County identifies cold wave as the foremost hazard, followed by heat and ice storm. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a high natural disaster risk rating, Summersville residents benefit from taking preparedness seriously. Reviewing insurance coverage for cold wave 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 Summersville: Cold Wave preparedness
- Dress in layers and limit exposure during extreme cold to prevent frostbite and hypothermia.
- Protect pipes, pets, and plants, and ensure heating systems are serviced before winter.
- Keep emergency heat and supplies ready in case of cold-related power outages.
Local Factors for Summersville
These city-level factors differentiate Summersville from other communities in Texas County and provide geographic context for its hazard exposure.
Population
1,762
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 37.2°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 6.9/10
Coordinates
37.1850° N, 91.6455° W
Texas 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 Summersville
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Summersville
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.