Natural Disaster Risk — ZIP Code 63746

Natural Hazard Profile: ZIP 63746, Missouri

ZIP 63746 in Farrar 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 63746 carries an overall risk score of 5.9/10, placing it in the moderate 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 earthquake and heat.

Within Missouri, ZIP 63746's risk is, near 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 wind as the foremost hazard, followed by earthquake and heat. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 63746'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 wind exposure is adequately protected is a worthwhile step for property owners.