Natural Disaster Risk — ZIP Code 64490

Natural Hazard Profile: ZIP 64490, Missouri

ZIP 64490 in Stewartsville 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 64490 carries an overall risk score of 5.6/10, placing it in the moderate category. Large hail is the dominant natural hazard, with supercell thunderstorms regularly producing damaging hailstones capable of destroying crops, vehicles, and roofs. The area also faces notable exposure to tornado and cold wave.

Within Missouri, ZIP 64490'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 hail as the foremost hazard, followed by tornado and cold wave. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, ZIP 64490 residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for hail is recommended.