Howard County, MO Environment & Hazard Risk
Very Low natural hazard risk, led by landslide. 332 storm events since 1996.
- Expected yearly loss
- $6.8M
- Very Low nationally
- Storm events since 1996
- 332
- Most often flood
- Flood insurance policies
- 9
- 0.2% of homes
- Hurricanes nearby
- 0
- Since 1851
Natural hazard risk
FEMA National Risk Index, December 2025
Overall risk
Very Low
Score 13.8 of 100
Social vulnerability
Very Low
Score 19.7 of 100
Community resilience
Very High
Score 88.1 of 100
Community resilience runs the other way: a higher rating means a community can recover faster.
Building value exposed: $2.6B · Agriculture value exposed: $72M · Risk-adjusted yearly loss: $6M
Risk by hazard
- LandslideRelatively Low$33.4K/yr expected annual loss, about once every 2 years
- Heat waveRelatively Low$748K/yr expected annual loss, about 12 events a year
- DroughtRelatively Low$257K/yr expected annual loss, about 14 events a year
- TornadoRelatively Low$1.2M/yr expected annual loss, about once every 5 years
- EarthquakeVery Low$189K/yr expected annual loss, about once every 641 years
- Cold waveRelatively Low$641K/yr expected annual loss, about 2.5 events a year
- Ice stormRelatively Low$47.3K/yr expected annual loss, about once every 1 year
- WildfireVery Low$19K/yr expected annual loss, about once every 1,459 years
- Winter weatherRelatively Low$33.7K/yr expected annual loss, about 9.5 events a year
- LightningRelatively Low$98.9K/yr expected annual loss, about 49 events a year
- Strong windVery Low$159K/yr expected annual loss, about 3.3 events a year
- HailVery Low$56.1K/yr expected annual loss, about 4.2 events a year
- HurricaneVery Low$2,326/yr expected annual loss, about once every 111 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
- 9 of 5,428 (0.2%)
- Homes in high-risk flood zones
- 128
- Insured in high-risk zones
- 7 (5%)
- Flood claims since 1978
- 69
- Claims paid since 1978
- $859K
Flood claims paid per year
- Midwest Flooding$383K · 19 claims
- Flooding$108K · 18 claims
- Late spring storms$1,849 · 1 claim
Storm history
Since 1996: 332 events, 0 deaths, $2.4M in damage
- Flood83
- Hail79
- Thunderstorm Wind64
- Drought24
- Flash Flood20
- Winter Storm15
- Heat13
- Heavy Snow8
- Extreme Cold/Wind Chill6
- Ice Storm5
Events per year
10 tornadoes on record (EF0 1, F0 3, F1 2, F2 3, F3 1).
Most damaging storms
Since 1996, ranked by deaths, injuries and damage
- Ice Storm01/30/2002
Howard
$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.
- TornadoF3, 20 mi path, 350 yd wide03/13/2006
Glasgow, Howard County
$450K damage
What happened
Tornado crossed from Saline county into Howard county...8 miles southwest of Glasgow at 2046 CST. F2 damage was noted to several farmsteads to the northwest of Fayette before the tornado dissipated at 2102 CST...2 miles east of Armstrong.
- Flash Flood06/01/2019
Petersburg, Howard County
$200K damage
- Flash Flood06/01/2019
Petersburg, Howard County
$200K damage
- Flash Flood06/01/2019
Petersburg, Howard County
$200K damage
- Thunderstorm Wind61 kt wind07/10/2002
Fayette, Howard County
$200K damage
Drinking water
6 community water systems serve about 8,282 people. Violations since 2021.
2 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.
- Fayette PwsServes 2,800 · Purchased groundwater · Local governmentNo health violations+2 monitoring or reporting
- Howard County Cons Pwsd 1Serves 2,100 · Purchased groundwater · Local government1 health violation+1 monitoring or reporting
- Howard County Pwsd 2Serves 1,165 · Purchased groundwater · Local governmentNo health violations
- Glasgow PwsServes 1,103 · Groundwater · Local government1 health violation+4 monitoring or reporting
- New Franklin PwsServes 1,089 · Purchased groundwater · Local governmentNo health violations+5 monitoring or reporting
- Howard County Regional Water CommServes 25 · Groundwater · Local governmentNo health violations
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 Howard County
Superfund sites
None in this county.
Toxic release facilities
- Bob Monnig Industries Inc1,841 lbs released, Glasgow
Total: 1,841 lbs in 2024, 1,841 lbs to air.
Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk16 historic places
Frequently asked questions
- How risky is Howard County for natural disasters?
- FEMA rates Howard County very low for overall natural hazard risk, with expected losses of $6.8M a year. The highest-rated hazards are landslide (relatively low), heat wave (relatively low), drought (relatively low).
- What storms are most common in Howard County?
- Since 1996, NOAA recorded 332 storm events affecting Howard County, most often flood (83), hail (79), thunderstorm wind (64).
- How many tornadoes have hit Howard County?
- 10 tornadoes have been recorded in Howard County since 1950, including 1 rated F3/EF3 or stronger.
- How many homes in Howard County have flood insurance?
- 9 residential flood insurance policies are in force in Howard County, covering about 0.2% of homes. The program has paid $859K on 69 claims here since 1978.
- What is the weather like in Howard County?
- At New Franklin 1w, average highs reach 87°F in Jul and lows fall to 18°F in Jan, with 41.5 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.