🌍 ClimateRiskCheck

Natural Disaster Risk in Union Star

Missouri

5.0out of 10
Moderate Risk

Risk Summary for Union Star

Union Star 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

Union Star
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: Union Star, Missouri

Union Star, in Andrew County, is a small community of about 1,163 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 Union Star residents and property owners must navigate.

According to FEMA's National Risk Index, Union Star carries an overall risk score of 5.0/10, placing it in the moderate category. 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. The area also faces notable exposure to drought and tornado.

Within Missouri, Union Star'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.

Union Star'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 landslide exposure is adequately protected is a worthwhile step for property owners.

What this means for Union Star: 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 Union Star

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

Population

1,163

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 40.0Β°

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

39.9923Β° N, 94.6146Β° 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 Union Star

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Union Star

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.