Monroe County, MO Environment & Hazard Risk
Very Low natural hazard risk, led by heat wave. 296 storm events since 1996.
- Expected yearly loss
- $7M
- Very Low nationally
- Storm events since 1996
- 296
- Most often thunderstorm wind
- Flood insurance policies
- 3
- 0.1% of homes
- Hurricanes nearby
- 0
- Since 1851
Natural hazard risk
FEMA National Risk Index, December 2025
Overall risk
Very Low
Score 21.2 of 100
Social vulnerability
Relatively Moderate
Score 50.2 of 100
Community resilience
Relatively Moderate
Score 53.7 of 100
Community resilience runs the other way: a higher rating means a community can recover faster.
Building value exposed: $2.4B · Agriculture value exposed: $172M · Risk-adjusted yearly loss: $7.9M
Risk by hazard
- Heat waveRelatively Moderate$1.6M/yr expected annual loss, about 9.5 events a year
- LightningRelatively Moderate$376K/yr expected annual loss, about 48 events a year
- DroughtRelatively Low$257K/yr expected annual loss, about 5.1 events a year
- LandslideVery Low$1,698/yr expected annual loss, about once every 5 years
- EarthquakeVery Low$206K/yr expected annual loss, about once every 511 years
- TornadoRelatively Low$895K/yr expected annual loss, about once every 3 years
- HailRelatively Low$146K/yr expected annual loss, about 3.7 events a year
- Cold waveRelatively Low$500K/yr expected annual loss, about 3.3 events a year
- Winter weatherRelatively Low$34.1K/yr expected annual loss, about 9.8 events a year
- WildfireVery Low$14.7K/yr expected annual loss, about once every 1,490 years
- Strong windRelatively Low$240K/yr expected annual loss, about 3.5 events a year
- Ice stormVery Low$22.9K/yr expected annual loss, about once every 1 year
- HurricaneVery Low$5,038/yr expected annual loss, about once every 100 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
- 3 of 6,064 (0.1%)
- Homes in high-risk flood zones
- 138
- Insured in high-risk zones
- 2 (1%)
- Flood claims since 1978
- 12
- Claims paid since 1978
- $199K
Flood claims paid per year
- Midwest Flooding$41K · 1 claim
- Hurricane Ike$274 · 1 claim
Storm history
Since 1996: 296 events, 4 deaths, $259K in damage
- Thunderstorm Wind75
- Hail55
- Winter Storm33 · 1 death
- Flash Flood26
- Excessive Heat22
- Tornado21 · 2 deaths
- Heat20
- Heavy Snow9
- Drought7
- Ice Storm6
Events per year
26 tornadoes on record (EF0 9, EF1 5, EF2 2, F0 5, F1 3, F2 1, F4 1).
Most damaging storms
Since 1996, ranked by deaths, injuries and damage
- TornadoEF2, 4.07 mi path, 90 yd wide10/18/2007
Granville, Monroe County
2 deaths, $50K damage
What happened
The tornado touched down and destroyed a mobile home just south of Highway F, about a third of a mile east of CR 419. The entire base frame of the mobile home was tossed a third of a mile to the north from it original location into a soybean field. Two occupants of the mobile home were thrown several hundred feet to the north and killed by the tornado. Approximately 100 yards to the north northeast of the mobile home, a large barn and machine shed were destroyed. Debris from the barn, machine shed and mobile home could be found along a path that stretched up to 4 miles from the intial touchdown point of the tornado. Residences within the 4 mile corridor identified clothing, insulation, pieces of furniture and metal. Isolated tree damage was found further along the path before the tornado lifted and dissipated just north of the intersection of Highway 15 and State Highway J.
- Heavy Rain05/09/2003
Madison, Monroe County
1 death
What happened
A 17 year old man was killed when he tried to cross a flooded low-water crossing in a horse and buggy. The horse made it across safely.
- Winter Storm11/30/2006
Monroe
1 death
What happened
A major winter storm hit Central, Northeast, East Central and parts of Southeast Missouri from November 30 through Dcember 1. Over a foot of snow fell across parts of Central Missouri while a major ice storm hit parts of East Central and Southeast Missouri, including the St. Louis area. Ice accumulations of 1 inch or more downed trees and power lines resulting in at least 300,000 electric customers losing service for up to a week. Downed limbs and trees damaged homes and automobiles across the area as well. Many rural schools were closed for several days due to slick roads and power outages. The National Guard was called out to several counties to assist with debris removal and other emergency sevices. In the City of St. Louis the National Guard went door-to-door to check on residents who had lost power. Damages across the region were expected to be in excess of $100 million. Following is a summary of how the storm affected various counties. Boone County: Several carports at an apartment complex collapsed from the weight of the snow. Callaway County: A dairy farmer lost 23 head of cattle and other equipment due to roofs collapsing from the weight of the snow. There were several...
- TornadoEF2, 15.14 mi path, 100 yd wide10/02/2007
Woodlawn, Monroe County
1 injured, $60K damage
What happened
The tornado first touched down briefly about a mile north northeast of Woodlawn on CR 1109 knocking down a few trees. It lifted and continued to move to the northeast, touching down again on Highway A, just south of the intersection of CR 182 and CR 284. It damaged more trees as it travelled to the northeast. It then struck a residence just northwest of the intersection of Highway 15 and Highway CC. The house had half of its roof removed with debris and insulation blown 100 yards northeast, into a grove of trees. Numerous trees were damaged at this location, including a 5 foot diameter tree that was twisted and snapped off five feet above the ground. The tornado briefly lifted again before touching down near CR 317, between CR 394 and CR 390. As it travelled to the northeast, it produced its greatest damage when it struck a single wide mobile home just east of Highway PP, approximately 1.7 miles south of US Highway 36. The mobile home was completely destroyed and the 85 year old male occupant of the mobile home suffered severe injuries. The tornado then lifted and dissipated.
- Thunderstorm Wind40 kt wind08/28/2005
Monroe City, Monroe County
1 injured
What happened
Thunderstorm wind gusts of about 45 mph blew down some roof trusses at a home under construction. One worker was injured by the flying lumber.
- TornadoF4, 29 mi path, 500 yd wide03/13/2006
Madison, Monroe County
What happened
As the first Monroe County tornado dissipated, another formed just to the southeast. The two tornadoes traveled parallel for about 100 yards. The second tornado damaged a home shortly after forming and then continued northeast causing tree, barn and farm outbuilding damage and as it moved through rural areas near Holliday and then to Paris. About 1 mile north of Paris the tornado destroyed 2 homes, one very well built, near the Highway 15 Spur. A pickup truck was tossed over 100 yards into the living room of one home. This home had one wall that remained standing while the other was completely leveled. Debris from one home was found over a half mile to the northeast. The damage was rated F4 and was about one quarter mile wide. The tornado moved northeast and destroyed 2 mobile homes and damaged 2 other homes near US 24. Numerous trees were also either snapped or uprooted. The tornado continued through rural areas and moved into Monroe City. Several mobile homes were destroyed on the west side of town. A church sustained considerable roof and wall damage and other buildings suffered roof damage. The tornado dissipated over the northeast side of town.
Drinking water
5 community water systems serve about 10,940 people. Violations since 2021.
1 system had health-based violations, such as a contaminant over the legal limit or a missed treatment step.
- Monroe County Pwsd 2Serves 6,700 · Purchased surface water · Local governmentNo health violations+6 monitoring or reporting
- Monroe City PwsServes 2,500 · Surface water · Local government17 health violations+22 monitoring or reporting
- Paris PwsServes 1,161 · Purchased surface water · Local governmentNo health violations+2 monitoring or reporting
- Madison PwsServes 554 · Purchased surface water · Local governmentNo health violations
- Clarence Cannon Wholesale Wtr CommServes 25 · Surface water · 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 Monroe County
Superfund sites
None in this county.
Toxic release facilities
- Lakeside Casting Solutions16 lbs released, Monroe City
Total: 16 lbs in 2024, 16 lbs to air.
Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk7 historic places
Frequently asked questions
- How risky is Monroe County for natural disasters?
- FEMA rates Monroe County very low for overall natural hazard risk, with expected losses of $7M a year. The highest-rated hazards are heat wave (relatively moderate), lightning (relatively moderate), drought (relatively low).
- What storms are most common in Monroe County?
- Since 1996, NOAA recorded 296 storm events affecting Monroe County, most often thunderstorm wind (75), hail (55), winter storm (33).
- How many tornadoes have hit Monroe County?
- 26 tornadoes have been recorded in Monroe County since 1950, including 1 rated F3/EF3 or stronger.
- How many homes in Monroe County have flood insurance?
- 3 residential flood insurance policies are in force in Monroe County, covering about 0.1% of homes. The program has paid $199K on 12 claims here since 1978.
- What is the weather like in Monroe County?
- At Shelbina, average highs reach 87°F in Jul and lows fall to 17°F in Jan, with 42.1 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.