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Risk: Very Low

Harrison County, MO Environment & Hazard Risk

Very Low natural hazard risk, led by drought. 378 storm events since 1996.

Expected yearly loss
$7.2M
Very Low nationally
Storm events since 1996
378
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 29.3 of 100

Social vulnerability

Relatively High

Score 75.1 of 100

Community resilience

Relatively Moderate

Score 46.5 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: $119M · Risk-adjusted yearly loss: $10M

Risk by hazard

  • DroughtRelatively High$1.3M/yr expected annual loss, about 17 events a year
  • LandslideRelatively Low$6,687/yr expected annual loss, about once every 3 years
  • Heat waveRelatively Low$592K/yr expected annual loss, about 8.8 events a year
  • WildfireVery Low$63.2K/yr expected annual loss, about once every 831 years
  • TornadoRelatively Low$1.2M/yr expected annual loss, about once every 2 years
  • HailRelatively Low$249K/yr expected annual loss, about 4.7 events a year
  • Cold waveRelatively Low$803K/yr expected annual loss, about 4.7 events a year
  • Strong windRelatively Low$354K/yr expected annual loss, about 3.5 events a year
  • Winter weatherRelatively Low$25.7K/yr expected annual loss, about 12 events a year
  • EarthquakeVery Low$35.6K/yr expected annual loss, about once every 1,126 years
  • LightningVery Low$54.2K/yr expected annual loss, about 47 events a year
  • Ice stormVery Low$11.2K/yr expected annual loss, about once every 3 years
  • HurricaneVery Low$1,764/yr expected annual loss, about once every 162 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 5,752 (0.0%)
Homes in high-risk flood zones
0
Flood claims since 1978
6
Claims paid since 1978
$157K

Flood claims paid per year

Flood claims paid per year in Harrison County
Beta
  • Midwest Flooding$15.1K · 2 claims

Storm history

Since 1996: 378 events, 2 deaths, $536K in damage

  • Hail149
  • Thunderstorm Wind91
  • Winter Storm25 · 1 death
  • Drought20
  • Flash Flood17
  • Heat13 · 1 death
  • Heavy Snow12
  • Tornado11
  • Extreme Cold/Wind Chill9
  • Ice Storm7
Beta

Events per year

Storm events per year in Harrison County
11
10
15
13
16
13
12
20
25
3
14
12
19
4
9
5
14
7
11
24
Beta

24 tornadoes on record (EF0 1, EF1 1, F0 8, F1 7, F2 3, F3 2, F4 2).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Winter Storm01/10/2020

    Harrison

    1 death

    What happened

    Freezing rain occurred through much of the night going into January 11, and caused around a quarter to one-third inch accumulation. This occurred prior to about 2 to 3 inches of snow falling. This resulted in several auto accidents. One occurred along I-35 near Bethany. A vehicle left the roadway and overturned several times, killing the driver. ||MHP accident report: https://www.mshp.dps.missouri.gov/HP68/AccidentDetailsAction?ACC_RPT_NUM=200019100 .

  • Heat07/18/1999

    Harrison

    1 death

    What happened

    Northwest Missouri suffered through two weeks of oppressive heat and humidity in late July as temperatures topped the 90 degree mark for 14 consecutive days. Dew points in the lower to middle 70s pushed afternoon heat indices above 100 degrees each day. The heat wave was most intense from July 23rd through the 30th, as temperatures reached the upper 90s or topped 100 degrees for 8 consecutive days, with afternoon heat indices between 110 and 115 degrees. Kansas City's downtown airport recorded 7 straight 100 degree days, peaking at 106 on July 29. Adding to the deadly effects of the heat was the lack of nighttime cooling, especially in the urban areas. Overnight temperatures in downtown Kansas City did not drop below 78 degrees for a 13-day period, and nighttime heat indices remained in the 80s. The heat wave claimed a total of 22 lives in northwest Missouri. Most of the victims were elderly, and 16 of the fatalities occurred in the urban core of Kansas City. The other heat-related deaths occurred outside Kansas City in Jackson County (one death), and in Cass (2 deaths), Bates (1), Buchanan (1), and Harrison (1) Counties.

  • Thunderstorm Wind61 kt wind06/16/2017

    Ridgeway, Harrison County

    2 injured

    What happened

    A tree fell on a mobile home on the 200 block of 2nd Street, temporarily trapping two people, both of whom sustained minor to moderate injuries.

  • Thunderstorm Wind70 kt wind03/07/2017

    Bethany Mem Arpt, Harrison County

    1 injured

    What happened

    Tractor trailer rig was blown over on I-35 near mile marker 93. 1 injury was reported with this incident.

  • Thunderstorm Wind56 kt wind06/16/2017

    Brooklyn, Harrison County

    1 injured

    What happened

    Semi was blown off of I-35 near mile marker 99, with driver sustaining minor injuries.

  • Heavy Snow04/10/1997

    Harrison

    $250K damage

    What happened

    Heavy wet snow fell across the Northern third of Missouri throughout the day on the 10th followed by a second band of snow during the early morning hours of the 11th. Since temperatures were near or slightly over freezing during the snowfall, some of the snow melted quickly but 6 to 12 inches of snow accumulated with well over a foot in many locations. The heaviest snow fell along and to the north of Highway 136 from Albany in Gentry County to Prineton in Mercer County to Lancaster in Schuyler County. The greatest totals were recorded in Schuyler and Mercer Counties where 20-24 inches of snow was reported. Schuyler County Emergency Management reported 24 inches of snow at Lancaster and a Mercer County Cooperative Observer measured 20 inches of snow in Lake Pahoe. Mercer County Emergency Management officials reported 18 inches of snowfall in Mercer and 14 inches in Priceton. Elsewhere in Northern Missouri, Cooperative Observers reported 17 inches of snow in Grant City, 14 inches in Bethany and 13 to 18 inches in Unionville. Observers in Albany reported 15 to 20 inches of heavy wet snow. In Schuyler County, just over 2 million dollars of damage was reported as a...

Drinking water

9 community water systems serve about 12,405 people. Violations since 2021.

4 systems had health-based violations, such as a contaminant over the legal limit or a missed treatment step. 1 system had a violation of any kind still open at last report.

  • Harrison County Pwsd 2Serves 3,740 · Groundwater · Local government1 health violation+9 monitoring or reporting
  • Bethany PwsServes 3,292 · Surface water · Local government2 health violations+2 monitoring or reporting
  • Mercer County Pwsd 1Serves 3,200 · Purchased surface water · Local governmentNo health violations+6 monitoring or reporting
  • Harrison County Pwsd 1Serves 823 · Purchased groundwater · Local governmentNo health violations+3 monitoring or reporting
  • Gilman City PwsServes 380 · Purchased groundwater · Local government5 health violations+3 monitoring or reporting
  • Ridgeway PwsServes 372 · Purchased groundwater · Local governmentNo health violations+1 monitoring or reporting
  • Cainsville PwsServes 290 · Purchased groundwater · Local governmentNo health violations+4 monitoring or reporting
  • New Hampton PwsServes 283 · 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.

Pollution sites

0 Superfund sites and 0 toxic release facilities in Harrison County

No Superfund sites or toxic release facilities in Harrison County in our data.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk1 historic places

Frequently asked questions

How risky is Harrison County for natural disasters?
FEMA rates Harrison County very low for overall natural hazard risk, with expected losses of $7.2M a year. The highest-rated hazards are drought (relatively high), landslide (relatively low), heat wave (relatively low).
What storms are most common in Harrison County?
Since 1996, NOAA recorded 378 storm events affecting Harrison County, most often hail (149), thunderstorm wind (91), winter storm (25).
How many tornadoes have hit Harrison County?
24 tornadoes have been recorded in Harrison County since 1950, including 4 rated F3/EF3 or stronger.
How many homes in Harrison County have flood insurance?
2 residential flood insurance policies are in force in Harrison County, covering about 0.0% of homes. The program has paid $157K on 6 claims here since 1978.
What is the weather like in Harrison County?
At Bethany, average highs reach 87°F in Jul and lows fall to 16°F in Jan, with 39.1 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.

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