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Risk: Very Low

Cooper County, MO Environment & Hazard Risk

Very Low natural hazard risk, led by heat wave. 443 storm events since 1996.

Expected yearly loss
$11.3M
Very Low nationally
Storm events since 1996
443
Most often flood
Flood insurance policies
5
0.1% of homes
Hurricanes nearby
0
Since 1851

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Very Low

Score 20.4 of 100

Social vulnerability

Very Low

Score 10.6 of 100

Community resilience

Very High

Score 80.2 of 100

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

Building value exposed: $4B · Agriculture value exposed: $126M · Risk-adjusted yearly loss: $7.7M

Risk by hazard

  • Heat waveRelatively Low$1.3M/yr expected annual loss, about 12 events a year
  • DroughtRelatively Moderate$589K/yr expected annual loss, about 15 events a year
  • TornadoRelatively Low$2M/yr expected annual loss, about once every 4 years
  • EarthquakeVery Low$379K/yr expected annual loss, about once every 614 years
  • Cold waveRelatively Low$1.1M/yr expected annual loss, about 2.3 events a year
  • Ice stormRelatively Low$83.2K/yr expected annual loss, about once every 1 year
  • WildfireVery Low$41.2K/yr expected annual loss, about once every 1,311 years
  • LandslideVery Low$863/yr expected annual loss, about once every 3 years
  • Winter weatherRelatively Low$53.9K/yr expected annual loss, about 9.5 events a year
  • Strong windRelatively Low$291K/yr expected annual loss, about 3.4 events a year
  • LightningVery Low$108K/yr expected annual loss, about 50 events a year
  • HailVery Low$65K/yr expected annual loss, about 4.6 events a year
  • HurricaneVery Low$4,410/yr expected annual loss, about once every 104 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
5 of 9,015 (0.1%)
Homes in high-risk flood zones
144
Insured in high-risk zones
5 (3%)
Flood claims since 1978
9
Claims paid since 1978
$137K

Flood claims paid per year

Flood claims paid per year in Cooper County
Beta
  • Midwest Flooding$72K · 3 claims
  • Flooding$23.9K · 3 claims

Storm history

Since 1996: 443 events, 1 death, $2.3M in damage

  • Flood125
  • Hail104
  • Thunderstorm Wind77
  • Flash Flood33 · 1 death
  • Drought28
  • Winter Storm16
  • Heat13
  • Heavy Snow11
  • Tornado8
  • Extreme Cold/Wind Chill7
Beta

Events per year

Storm events per year in Cooper County
18
23
12
3
17
11
11
12
5
2
10
7
8
4
7
14
16
5
15
3
Beta

19 tornadoes on record (EF0 2, EF2 1, F0 8, F1 5, F2 3).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Flash Flood06/27/2015

    Pisgah, Cooper County

    1 death

    What happened

    Female victim was camping along Moniteau Creek near Prairie Home, Missouri. Authorities believe she was swept away by flash flood waters. Her body was discovered along Red Bud Road in Moniteau County Missouri.

  • Wildfire10/22/2022

    Cooper

    1 injured, $200K damage

    What happened

    Around 330 pm CDT on October 22nd, a harvesting combine in a crop field started a wildland fire in the small community of Wooldridge, MO (population: 29) in far eastern Cooper County, about 2 miles west of the Missouri River and about 4 miles south of Interstate 70. ||Weather conditions on the afternoon of 10/22 were quite conducive for fire ignition and rapid fire spread. Relative humidity from the Boonville, MO AWOS (KVER) showed RH values around 25% around fire ignition time (with a temperature of 86 degrees!) with winds out of the SSE around 25 mph and gusting to 35+ mph. Furthermore, antecedent conditions also favored fire ignition and spread. At the time of the fire, Wooldridge was located within an extreme drought (D3) region per the US Drought Monitor. Back to back hard freezes during the overnight/early morning hours of October 18th and 19th (26 and 25 degrees, respectively, per the Boonville COOP observer) had further cured/dried fuels. The previous afternoon had also featured well above normal temperatures, low RHs, and breezy southerly winds. All of these ingredients combined to set the table for a wildland fire. A RAWS site just about 16 miles ESE of Wooldridge...

  • Ice Storm01/30/2002

    Cooper

    $1M damage

    What happened

    A long-lived major ice and snow storm blasted much of northwest, northern and central Missouri from late Tuesday, January 29th, until Thursday, January 31st. Ice accumulations of over an inch were observed from the Kansas City metropolitan area, east and north through Moberly Missouri. At one point 409,504 total customers were without electrical power in the CWA, with some residents without power up to two weeks. For the Kansas City area, the ice storm was ranked as the worst ever. Further north across northern Missouri, heavy snow fell generally along and north of a line, from St. Joseph to Trenton to Kirksville. Snow accumulations ranged from 8 to 14 inches.

  • TornadoF1, 4 mi path, 75 yd wide04/08/1999

    Boonville, Cooper County

    $800K damage

    What happened

    A tornado developed 4 miles south of Boonville and moved quickly northeast, damaging a church and downing several trees and power poles 4 miles south of Boonville. Three eighteen-wheelers were overturned.

  • TornadoEF2, 6.13 mi path, 200 yd wide04/02/2025

    Pilot Grove, Cooper County

    $100K damage

    What happened

    A tornado with an estimated peak wind of 115 mph (EF-2) traveled for around 6.3 miles across portions of western Cooper County, Missouri, impacting the town of Pilot Grove and surrounding areas. The tornado damage path began just southwest of downtown Pilot Grove, where it caused some minor damage to an outbuilding at a farmstead. The tornado then traveled to the northeast, where it caused minor damage to the roofs of homes on W Bock Street and the Katy Manor on Prospect Street. It then caused damage to several structures along W Harris Street near the intersection of W 3rd Street. In this location, a manufactured home was thrown 100 feet off its cinder blocks and completely destroyed. Large trees were uprooted onto the roof of a home next to the destroyed manufactured home, and an outbuilding was destroyed. The tornado continued to move to the north northeast, where it caused severe damage to a newly well built barndominium style home along Route M just south of Immele Road. After this, the tornado roughly paralleled Route 135, where it damaged numerous houses, completely destroyed outbuildings, caused extensive tree damage, and snapped numerous power poles. The area between...

Drinking water

8 community water systems serve about 12,993 people. Violations since 2021.

None of the systems serving this county had a health-based violation in this period.

  • Boonville PwsServes 7,964 · Surface water · Local governmentNo health violations+6 monitoring or reporting
  • Cooper County Consolidated Pwsd # 1Serves 2,451 · Purchased surface water · Local governmentNo health violations+3 monitoring or reporting
  • Pilot Grove PwsServes 768 · Groundwater · Local governmentNo health violations+1 monitoring or reporting
  • Cooper County Pwsd 1Serves 562 · Groundwater · Local governmentNo health violations+3 monitoring or reporting
  • Otterville PwsServes 450 · Groundwater · Local governmentNo health violations
  • Bunceton PwsServes 337 · Groundwater · Local governmentNo health violations+1 monitoring or reporting
  • Prairie Home PwsServes 280 · Groundwater · Local governmentNo health violations+1 monitoring or reporting
  • Blackwater PwsServes 181 · Purchased groundwater · Local governmentNo health violations+9 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.

Pollution sites

0 Superfund sites and 2 toxic release facilities in Cooper County

Superfund sites

None in this county.

Toxic release facilities

Total: 10,101 lbs in 2024, 3,411 lbs to air.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk29 historic places

Frequently asked questions

How risky is Cooper County for natural disasters?
FEMA rates Cooper County very low for overall natural hazard risk, with expected losses of $11.3M a year. The highest-rated hazards are heat wave (relatively low), drought (relatively moderate), tornado (relatively low).
What storms are most common in Cooper County?
Since 1996, NOAA recorded 443 storm events affecting Cooper County, most often flood (125), hail (104), thunderstorm wind (77).
How many tornadoes have hit Cooper County?
19 tornadoes have been recorded in Cooper County since 1950.
How many homes in Cooper County have flood insurance?
5 residential flood insurance policies are in force in Cooper County, covering about 0.1% of homes. The program has paid $137K on 9 claims here since 1978.
What is the weather like in Cooper County?
At Boonville, average highs reach 88°F in Jul and lows fall to 20°F in Jan, with 42.6 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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