Natural Disaster Risk — ZIP Code 65649

Fair Play, Missouri

6.5out of 10

High Risk

Risk Summary for ZIP 65649

Above-average natural disaster risk. Several hazards pose meaningful threats. Ensure adequate home and property insurance.

Top Hazards

Ice Storm Extreme Heat Strong Wind

All 18 Hazard Scores

Ice Storm

8.9

Extreme Heat

8.4

Strong Wind

7.9

Tornado

7.7

Lightning

7.7

Wildfire

7.6

Winter Weather

7.5

Hail

7.2

Drought

7.0

Earthquake

6.8

Cold Wave

5.6

Tsunami

5.4

Volcanic Activity

5.1

Hurricane

4.9

Coastal Flooding

4.9

Avalanche

4.5

Landslide

3.9

Riverine Flooding

1.0

How it compares

ZIP 65649

6.5

Missouri avg.

5.9

US national avg.

4.5

Live Conditions

Checking live alerts…

🏠 What this means for insurance

Above-average risk — check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

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

Other cities in Missouri

Saint Peters7.5/10 Columbia7.5/10 Springfield7.6/10 Ballwin7.9/10 O'Fallon7.5/10 Saint Charles7.5/10 Saint Louis7.9/10 Wentzville7.5/10

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 — consult official emergency management resources and a licensed insurer for property-specific advice.