Natural Disaster Risk — ZIP Code 64637

Natural Hazard Profile: ZIP 64637, Missouri

ZIP 64637 in Cowgill 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 64637 carries an overall risk score of 4.7/10, placing it in the moderate category. Drought is the leading natural hazard, with multi-year dry periods capable of depleting water supplies, devastating agriculture, and increasing wildfire risk across the region. The area also faces notable exposure to cold wave and heat.

Within Missouri, ZIP 64637'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 Missouri identifies drought as the foremost hazard, followed by cold wave and heat. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 64637'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 drought exposure is adequately protected is a worthwhile step for property owners.