🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 65459

Dixon, Missouri

5.0out of 10
Moderate Risk

Risk Summary for ZIP 65459

ZIP 65459 scores 5.0/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Ice Storm.

Top Hazards

Ice Storm Extreme Heat Cold Wave

All 18 Hazard Scores

Ice Storm
8.1
Extreme Heat
6.9
Cold Wave
6.2
Earthquake
5.8
Landslide
5.8
Tsunami
5.4
Wildfire
5.2
Tornado
5.1
Volcanic Activity
5.1
Coastal Flooding
4.9
Winter Weather
4.7
Drought
4.6
Hurricane
4.5
Avalanche
4.5
Strong Wind
3.3
Lightning
3.0
Hail
2.4
Riverine Flooding
1.0

How it compares

ZIP 65459
5.0
Missouri avg.
5.9
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” standard coverage usually sufficient

This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: ZIP 65459, Missouri

ZIP 65459 in Dixon 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 65459 carries an overall risk score of 5.0/10, placing it in the moderate category. Ice storm risk tops the local winter hazard profile, with freezing rain events capable of coating roads, trees, and power lines with ice that causes widespread outages and dangerous travel conditions. The area also faces notable exposure to heat and cold wave.

Within Missouri, ZIP 65459'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 ice storm as the foremost hazard, followed by heat 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 65459 residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for ice storm is recommended.

What this means for ZIP 65459: Ice Storm preparedness

  • Have a backup heat source and charged devices ready before winter storms arrive.
  • Prepare for multi-day power outages, as ice accretion frequently downs power lines.
  • Keep walkways treated and avoid travel during freezing-rain events.

Risk for the surrounding area

Local Factors for ZIP 65459

These city-level factors differentiate ZIP 65459 from other communities in Missouri County and provide geographic context for its hazard exposure.

Population

8,562

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 38.0Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 5.2/10

Coordinates

38.0292Β° N, 92.0834Β° 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 65459

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.