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Risk: Very Low

Cedar County, MO Environment & Hazard Risk

Very Low natural hazard risk, led by ice storm. 438 storm events since 1996.

Expected yearly loss
$7.4M
Very Low nationally
Storm events since 1996
438
Most often hail
Flood insurance policies
2
0.0% of homes
Hurricanes nearby
0
Since 1851

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Very Low

Score 26.0 of 100

Social vulnerability

Relatively Moderate

Score 57.6 of 100

Community resilience

Very Low

Score 16.5 of 100

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

Building value exposed: $2.9B · Agriculture value exposed: $63.8M · Risk-adjusted yearly loss: $9.1M

Risk by hazard

  • Ice stormRelatively Moderate$257K/yr expected annual loss, about once every 1 year
  • Heat waveRelatively Low$691K/yr expected annual loss, about 15 events a year
  • Strong windRelatively Moderate$693K/yr expected annual loss, about 5.2 events a year
  • TornadoRelatively Low$1.7M/yr expected annual loss, about once every 3 years
  • DroughtRelatively Low$232K/yr expected annual loss, about 13 events a year
  • WildfireVery Low$38.6K/yr expected annual loss, about once every 693 years
  • Cold waveRelatively Low$761K/yr expected annual loss, about 2.2 events a year
  • HailRelatively Low$203K/yr expected annual loss, about 6.8 events a year
  • Winter weatherRelatively Low$47.4K/yr expected annual loss, about 11 events a year
  • EarthquakeVery Low$163K/yr expected annual loss, about once every 664 years
  • LightningRelatively Low$116K/yr expected annual loss, about 55 events a year
  • HurricaneVery Low$5,893/yr expected annual loss, about once every 100 years
  • LandslideVery Low$110/yr expected annual loss, about once every 6 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, 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
2 of 8,065 (0.0%)
Homes in high-risk flood zones
42
Insured in high-risk zones
2 (5%)

Storm history

Since 1996: 438 events, 4 deaths, $89.1M in damage

  • Hail130
  • Thunderstorm Wind124
  • Flash Flood40
  • Drought34
  • Winter Storm24
  • Winter Weather13
  • Flood12
  • Tornado12 · 4 deaths
  • Ice Storm10
  • Heavy Rain10
Beta

Events per year

Storm events per year in Cedar County
20
32
17
11
7
17
19
9
9
6
11
9
13
9
8
18
15
21
21
12
Beta

19 tornadoes on record (EF0 2, EF1 3, F0 5, F1 4, F2 2, F3 3).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • TornadoF3, 25 mi path, 880 yd wide05/05/2003

    Jerico Spgs, Cedar County

    3 deaths, 37 injured, $43M damage

    What happened

    A large tornado laid out a path of destruction across the entire county. During this time, it took a path through the center of Stockton, which is the most populated community in the county. 350 homes, businesses, and outbuildings were destroyed while 650 received major damage. 37 local residents sustained injuries as three individuals lost their lives. The tornado continued on the ground into northern Polk County.Rob Hewitt age 40, was taking cover in his frame home while the tornado completely destroyed the structure. He was deceased from flying debris.Mark Wilcox age 34, was leaving his home to help a neighbor when the tornado approached. He was caught outdoors and deceased from flying debris.John Cassell age 86, was handicapped and refused to take cover in his basement prior to the tornado occurrence. He was then deceased upon the passage of the tornado. His wife who took cover in the basement survived the event.

  • TornadoF2, 16 mi path, 300 yd wide03/13/2006

    El Dorado Spgs, Cedar County

    1 death, 5 injured, $800K damage

    What happened

    This tornado is a continuation of the Vernon County tornado. The tornado increased in intensity as it tracked across Cedar County. 47 structures were damaged and 26 were destroyed including homes and businesses. Five injuries and one fatality resulted. A 77 year old man died six days later in the hospital from blunt trauma injuries he sustained from flying debris. He apparently was attempting to move into his basement as the tornado struck his frame home near Virgil City. The tornado exited Cedar County east of Cedar Springs and continued into St. Clair County.

  • Hail2.75" hail04/27/2026

    El Dorado Spgs, Cedar County

    $10M damage

    What happened

    Hail from golf balls to baseballs in size fell for over 5 minutes across rural areas west of El Dorado Springs and into the western portions of El Dorado City limits. Damage was reported to multiple vehicles, roofs, siding, outbuildings, businesses and equipment. Several windshields were reported with significant damage and holes into the interior of the vehicle.

  • Frost/Freeze04/08/2007

    Cedar

    $8.8M damage

    What happened

    Unusually warm conditions during the month of March caused early season growth in vegetation across the Missouri Ozarks. Hay along with the wheat crop had began to mature. During the nights of April 7th through the 9th, temperatures dropped into the upper teens to mid 20s, causing a hard freeze on matured vegetation. The wheat crop suffered approximately 90% damage. Hay crops along with fescue seed also sustained major damage. Total crop losses for 34 counties across the southwestern quadrant of Missouri were estimated at $147,905,541.

  • Drought12/01/2023

    Cedar

    $7.4M damage

    What happened

    Enough rain fell towards the middle to end of the month to improve conditions back to moderate drought. Farm and stock ponds continued to see impacts along with ground water levels and reservoirs. Crop loss estimates notated in this month encompass losses from continued drought since spring 2023.

  • Thunderstorm Wind70 kt wind05/08/2009

    Jerico Spgs, Cedar County

    $7M damage

    What happened

    Fifty to 80 mph winds caused damage to trees, boat docks, and boats across southern and central Cedar County. The most significant damage occurred on Stockton Lake, where the State Park Marina, Orleans Trail Marina, and Mutton Creek Marina had expensive damage to docks and boats. The State Park Marina estimates that 1.2 million dollars of damage occurred to the wave wall proctector. One boat broke away from a dock and became wedged underneath the dock. In the campgrounds, numerous trees were knocked over and one of the bath houses was destroyed. Several other outbuildings and numerous trees were damaged across the southern portion of the county.

Drinking water

10 community water systems serve about 17,467 people. Violations since 2021.

4 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.

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

Pollution sites

0 Superfund sites and 1 toxic release facility in Cedar County

Superfund sites

None in this county.

Toxic release facilities

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk2 historic places

Frequently asked questions

How risky is Cedar County for natural disasters?
FEMA rates Cedar County very low for overall natural hazard risk, with expected losses of $7.4M a year. The highest-rated hazards are ice storm (relatively moderate), heat wave (relatively low), strong wind (relatively moderate).
What storms are most common in Cedar County?
Since 1996, NOAA recorded 438 storm events affecting Cedar County, most often hail (130), thunderstorm wind (124), flash flood (40).
How many tornadoes have hit Cedar County?
19 tornadoes have been recorded in Cedar County since 1950, including 3 rated F3/EF3 or stronger.
How many homes in Cedar County have flood insurance?
2 residential flood insurance policies are in force in Cedar County, covering about 0.0% of homes.
What is the weather like in Cedar County?
At Stockton Dam, average highs reach 90°F in Jul and lows fall to 23°F in Jan, with 44.9 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.

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