How risky is Andrew County for natural disasters?

FEMA rates Andrew County very low for overall natural hazard risk, with expected losses of $11.38M a year. The highest-rated hazards are landslide (relatively low), drought (relatively moderate), tornado (relatively moderate).

What storms are most common in Andrew County?

Since 1996, NOAA recorded 312 storm events affecting Andrew County, most often hail (90), thunderstorm wind (87), drought (20).

How many tornadoes have hit Andrew County?

24 tornadoes have been recorded in Andrew County since 1950.

How many homes in Andrew County have flood insurance?

29 residential flood insurance policies are in force in Andrew County, covering about 0.3% of homes. The program has paid $4M on 146 claims here since 1978.

What is the weather like in Andrew County?

At Cosby 2w, average highs reach 87°F in Jul and lows fall to 16°F in Jan, with 37.1 inches of rain a year (1991-2020 normals).

Risk: Very Low

Andrew County, MO Environment & Hazard Risk

Very Low natural hazard risk, led by landslide. 312 storm events since 1996.

Expected yearly loss: $11.38M; Very Low nationally
Storm events since 1996: 312; Most often hail
Flood insurance policies: 29; 0.3% of homes
Hurricanes nearby: 0; Since 1851

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Very Low

Score 22.1 of 100

Social vulnerability

Very Low

Score 10.6 of 100

Community resilience

Relatively High

Score 66.0 of 100

Community resilience runs the other way: a higher rating means a community can recover faster.

Building value exposed: $4.75B · Agriculture value exposed: $96.58M · Risk-adjusted yearly loss: $8.11M

Risk by hazard

LandslideRelatively Low$10.59K/yr expected annual loss, about once every 5 years
DroughtRelatively Moderate$857K/yr expected annual loss, about 21 events a year
TornadoRelatively Moderate$3.17M/yr expected annual loss, about once every 3 years
HailRelatively Low$426K/yr expected annual loss, about 6.7 events a year
WildfireVery Low$69.75K/yr expected annual loss, about once every 1,163 years
Heat waveRelatively Low$545K/yr expected annual loss, about 9.9 events a year
Cold waveRelatively Low$1.32M/yr expected annual loss, about 4.0 events a year
Ice stormRelatively Low$64.36K/yr expected annual loss, about once every 1 year
Strong windRelatively Low$493K/yr expected annual loss, about 4.7 events a year
Winter weatherRelatively Low$38.61K/yr expected annual loss, about 12 events a year
LightningVery Low$110K/yr expected annual loss, about 48 events a year
EarthquakeVery Low$26.35K/yr expected annual loss, about once every 1,297 years

Bars show the national percentile score (0 to 100) for each hazard. Dollar figures are expected annual losses to buildings, people and crops. Not rated here: avalanche, coastal flooding, hurricane, riverine flooding, tsunami, volcanic activity.

Flood risk and insurance

National Flood Insurance Program and FEMA flood maps

Check the flood zone for an address

Homes with flood insurance: 29 of 9,101 (0.3%)
Homes in high-risk flood zones: 351
Insured in high-risk zones: 27 (8%)
Flood claims since 1978: 146
Claims paid since 1978: $4M

Flood claims paid per year

Late spring storms$1.39M · 25 claims
Midwest Flooding$143K · 7 claims
Flooding$276 · 1 claim

Storm history

Since 1996: 312 events, 0 deaths, $2.53M in damage

Hail90
Thunderstorm Wind87
Drought20
Winter Storm20
Flood16
Flash Flood15
Heat13
Heavy Snow11
Winter Weather8
Extreme Cold/Wind Chill8

Events per year

24 tornadoes on record (EF0 1, F0 9, F1 11, F2 2).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

TornadoF2, 5 mi path, 800 yd wide03/31/2006
Fillmore, Andrew County
8 injured, $800K damage
What happened
Tornado touched down southeast of Fillmore and traveled northeast 5 miles before dissipating around Highway 71 and A Highway. Three homes were nearly or completely destroyed and 8 had minor to moderate damage. Eight persons were injured.
TornadoF1, 8 mi path, 75 yd wide04/08/1999
Fillmore, Andrew County
2 injured, $750K damage
What happened
The tornado touched down northwest of Fillmore and moved rapidly northeast...destroying 6 homes from 3 miles NW of Fillmore to the intersection of Highways Y and H. Near this intersection, a grain bin was heavily damaged and an empty semi trailer truck was blown into a pond. Numerous trees and power lines were downed along the path. Tree damage clearly denoted the path length and width along the track. An eyewitness near the intersection of Y and H highways witnessed the tornado formation and rushed to one of the damaged homes. Thew two minor injuries were to residents of two mobile homes damaged 3 miles NW of Fillmore.
Winter Weather11/15/2022
Andrew
2 injured, $50K damage
What happened
Per MHP crash report, a vehicle was traveling northbound on Interstate 29 when it lost control on an icy road and crashed in traffic. A trailing large truck and trailer rig then hit the vehicle causing two occupants to be seriously injured. ||MHP crash report: https://www.mshp.dps.missouri.gov/HP68/AccidentDetailsAction?ACC_RPT_NUM=220602419 .
Freezing Fog01/18/2017
Andrew
2 injured
What happened
On Tuesday night [January 17], two Northwest Missouri State University football players were injured in an accident blamed on slick road condition on southbound Interstate 29, five miles north of St. Joseph. The Missouri State Highway Patrol said Cole M. Forney, 22, was driving a Ford F-250 when the vehicle hit a slick spot and struck a concrete barrier. He was taken to Mosaic Life Care with injuries described as serious. The accident occurred at 7:50 p.m. His passenger, 22-year-old Jacob Vollstedt, was taken to Mosaic with injuries described as moderate.
Winter Weather03/07/2022
Andrew
1 injured
What happened
On Highway 71, just north of Savannah, Missouri a vehicle slid out of control on the snowy roadway. The driver was ejected and sustained serious injuries.
Ice Storm12/10/2007
Andrew
$500K damage
What happened
Ice up to an inch thick was reported across the county. Numerous tree branches and power lines were down.

Latest storm reports

Newest first

Thunderstorm Wind52 kt wind07/10/2026
Avenue City, Andrew County
Thunderstorm Wind52 kt wind07/04/2026
Wyeth, Andrew County
Thunderstorm Wind52 kt wind07/04/2026
Avenue City, Andrew County
Thunderstorm Wind52 kt wind05/19/2026
Empire Prairie, Andrew County
Thunderstorm Wind52 kt wind05/19/2026
Bolckow, Andrew County
Thunderstorm Wind52 kt wind05/19/2026
Savannah, Andrew County
Thunderstorm Wind52 kt wind05/19/2026
Savannah, Andrew County
Thunderstorm Wind52 kt wind05/19/2026
Savannah, Andrew County

Drinking water

11 community water systems serve about 106,624 people. Violations since 2021.

2 systems had health-based violations, such as a contaminant over the legal limit or a missed treatment step. 2 systems had a violation of any kind still open at last report.

Mo American St JosephServes 89,171 · Groundwater · PrivateNo health violations
Andrew County Pwsd 1Serves 6,042 · Purchased groundwater · Local governmentNo health violations+1 monitoring or reporting
Savannah PwsServes 5,249 · Groundwater · Local governmentNo health violations+4 monitoring or reporting
Andrew County Pwsd 2Serves 3,580 · Purchased groundwater · Local governmentNo health violations
Andrew County Pwsd 3Serves 1,178 · Purchased groundwater · Local governmentNo health violations+1 monitoring or reporting
Andrew County Pwsd 4Serves 600 · Purchased groundwater · Local governmentNo health violations+7 monitoring or reporting
Amazonia PwsServes 236 · Purchased groundwater · Local governmentNo health violations+1 monitoring or reporting
Fillmore PwsServes 214 · Purchased groundwater · Local government1 health violation+1 monitoring or reporting

Largest systems by population served. Monitoring and reporting violations mean required tests or notices were late or missing, not that the water was unsafe.

Climate

1991-2020 normals at Cosby 2w, 9.8 mi from the county center

Summer highs peak around 87°F in Jul and winter lows bottom out near 16°F in Jan. About 37.1 inches of rain falls in a typical year.

Month	High	Low	Rain
Jan	35°F	16°F	0.95 in
Feb	40°F	19°F	1.19 in
Mar	53°F	30°F	2.34 in
Apr	64°F	40°F	3.76 in
May	73°F	52°F	5.22 in
Jun	84°F	63°F	4.76 in
Jul	87°F	67°F	4.79 in
Aug	85°F	64°F	3.95 in
Sep	79°F	55°F	3.57 in
Oct	66°F	42°F	3.04 in
Nov	51°F	31°F	2.03 in
Dec	40°F	21°F	1.51 in
Year	52°F average		37.1 in

Pollution sites

1 Superfund site and 1 toxic release facility in Andrew County

Superfund sites

Wheeling Disposal Service co., Inc., LandfillDeletedAmazonia

Toxic release facilities

Herzog Savannah Plant0 lbs released, Savannah

Superfund sites Toxic release facilities EPA inspections and enforcement Air toxics cancer risk 2 historic places

Frequently asked questions

How risky is Andrew County for natural disasters?: FEMA rates Andrew County very low for overall natural hazard risk, with expected losses of $11.38M a year. The highest-rated hazards are landslide (relatively low), drought (relatively moderate), tornado (relatively moderate).
What storms are most common in Andrew County?: Since 1996, NOAA recorded 312 storm events affecting Andrew County, most often hail (90), thunderstorm wind (87), drought (20).
How many tornadoes have hit Andrew County?: 24 tornadoes have been recorded in Andrew County since 1950.
How many homes in Andrew County have flood insurance?: 29 residential flood insurance policies are in force in Andrew County, covering about 0.3% of homes. The program has paid $4M on 146 claims here since 1978.
What is the weather like in Andrew County?: At Cosby 2w, average highs reach 87°F in Jul and lows fall to 16°F in Jan, with 37.1 inches of rain a year (1991-2020 normals).

Source: FEMA (National Risk Index, NFIP), NOAA (Storm Events, HURDAT2, Climate Normals), EPA · Last updated 08/01/2026 · Storm counts include events in forecast zones that touch the county. This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.

More about Andrew County

Data sources

National Risk IndexFederal Emergency Management Agency
OpenFEMA NFIP Policies and ClaimsFederal Emergency Management Agency
Storm Events DatabaseNOAA National Centers for Environmental Information
HURDAT2NOAA National Hurricane Center
U.S. Climate Normals 1991-2020NOAA National Centers for Environmental Information
Superfund Enterprise Management System (SEMS)U.S. Environmental Protection Agency
Toxics Release InventoryU.S. Environmental Protection Agency
Safe Drinking Water Information System (SDWIS)U.S. Environmental Protection Agency

Data as of 08/01/2026

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About this data

Environmental hazards and flood zones: Flood zones, hazard scores and pollution data come from federal and state agencies and are for general information only. They are not an official flood zone determination, environmental assessment or insurance rating. For a property decision, request an official determination from your community floodplain administrator, insurer or a licensed professional. Maps may not show recent changes.

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