Natural Disaster Risk — ZIP Code 64493

Natural Hazard Profile: ZIP 64493, Missouri

ZIP 64493 in Turney 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 64493 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 64493'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.

ZIP 64493'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 hail exposure is adequately protected is a worthwhile step for property owners.