🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 63389

Winfield, Missouri

6.5out of 10
High Risk

Risk Summary for ZIP 63389

ZIP 63389 scores 6.5/10 (High risk), above the U.S. average of 4.5. The leading hazard is Extreme Heat.

Top Hazards

Extreme Heat Landslide Strong Wind

All 18 Hazard Scores

Extreme Heat
9.4
Landslide
8.5
Strong Wind
8.2
Earthquake
8.1
Hail
8.0
Tornado
7.6
Cold Wave
7.4
Lightning
6.7
Wildfire
6.4
Winter Weather
6.1
Tsunami
5.4
Volcanic Activity
5.1
Drought
5.0
Coastal Flooding
4.9
Avalanche
4.5
Hurricane
4.2
Ice Storm
4.2
Riverine Flooding
1.0

How it compares

ZIP 63389
6.5
Missouri avg.
5.9
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” 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: ZIP 63389, Missouri

ZIP 63389 in Winfield sits in the interior eastern United States. Its humid continental climate produces hot summers, cold winters, and collision of multiple air masses, and notably year-round severe weather including tornadoes, ice storms, and floods. These conditions define the natural disaster environment for households across this ZIP code.

According to FEMA's National Risk Index, ZIP 63389 carries an overall risk score of 6.5/10, placing it in the high category. Extreme heat is the top natural hazard concern, with summer temperatures regularly reaching dangerous thresholds that pose serious health risks, particularly for elderly and outdoor workers. The area also faces notable exposure to landslide and wind.

Within Missouri, ZIP 63389'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 Missouri identifies heat as the foremost hazard, followed by landslide and wind. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 63389's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.

What this means for ZIP 63389: Extreme Heat preparedness

  • 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.
  • Check on elderly neighbors and never leave children or pets in parked vehicles.

Risk for the surrounding area

Local Factors for ZIP 63389

These city-level factors differentiate ZIP 63389 from other communities in Missouri County and provide geographic context for its hazard exposure.

Population

7,616

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 39.0Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 6.4/10

Coordinates

38.9997Β° N, 90.7687Β° W

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for ZIP 63389

Last 12 months Β· Source: Open-Meteo archive

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Nearby ZIP codes

Other cities in Missouri

Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1–10 across all US counties. This information is for general awareness only β€” consult official emergency management resources and a licensed insurer for property-specific advice.