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Risk: Relatively Low

Stone County, MO Environment & Hazard Risk

Relatively Low natural hazard risk, led by strong wind. 720 storm events since 1996.

Expected yearly loss
$30.1M
Relatively Low nationally
Storm events since 1996
720
Most often hail
Flood insurance policies
50
0.3% of homes
Hurricanes nearby
0
2 tropical storms or stronger since 1902

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Relatively Low

Score 76.7 of 100

Social vulnerability

Relatively High

Score 63.9 of 100

Community resilience

Relatively Low

Score 31.8 of 100

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

Building value exposed: $8.7B · Agriculture value exposed: $45.3M · Risk-adjusted yearly loss: $38.2M

Risk by hazard

  • Strong windVery High$9.7M/yr expected annual loss, about 6.0 events a year
  • Ice stormRelatively High$1.2M/yr expected annual loss, about 1.6 events a year
  • LandslideRelatively Moderate$45.3K/yr expected annual loss, about 1.1 events a year
  • Heat waveRelatively Moderate$1.3M/yr expected annual loss, about 13 events a year
  • Winter weatherRelatively Moderate$118K/yr expected annual loss, about 11 events a year
  • TornadoRelatively Moderate$2M/yr expected annual loss, about once every 3 years
  • LightningRelatively Moderate$388K/yr expected annual loss, about 58 events a year
  • EarthquakeRelatively Low$531K/yr expected annual loss, about once every 515 years
  • WildfireRelatively Low$93.2K/yr expected annual loss, about once every 773 years
  • HailRelatively Low$342K/yr expected annual loss, about 7.5 events a year
  • Cold waveRelatively Low$1.1M/yr expected annual loss, about 2.1 events a year
  • DroughtRelatively Low$117K/yr expected annual loss, about 4.4 events a year
  • HurricaneVery Low$23.1K/yr expected annual loss, about once every 87 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
50 of 20,261 (0.3%)
Homes in high-risk flood zones
275
Insured in high-risk zones
30 (11%)
Flood claims since 1978
75
Claims paid since 1978
$2.1M

Flood claims paid per year

Flood claims paid per year in Stone County
Beta
  • Late spring severe storms$777K · 16 claims
  • March storm$457K · 13 claims
  • Early winter storms$243K · 13 claims
  • Mid-spring storms$110K · 6 claims
  • Hurricane Ike$50K · 5 claims
  • Midwest Flooding$2,294 · 1 claim

Storm history

Since 1996: 720 events, 18 deaths, $46.9M in damage

  • Hail241
  • Thunderstorm Wind192 · 18 deaths
  • Flash Flood97
  • Flood34
  • Drought33
  • Winter Storm31
  • Tornado23
  • Heavy Rain15
  • Winter Weather10
  • Heat9
Beta

Events per year

Storm events per year in Stone County
18
36
13
31
42
28
17
17
43
15
30
31
27
25
26
29
32
29
23
4
Beta

32 tornadoes on record (EF0 11, EF1 8, EF2 2, F0 1, F1 6, F2 3).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Thunderstorm Wind52 kt wind07/20/2018

    Notch, Stone County

    17 deaths

    What happened

    A line of severe thunderstorms producing 50 to 70 mph winds caused wind damage across Stone County. On Table Rock Lake, winds of over 60 mph led to high waves. An amphibious tourist vehicle sank with seventeen fatalities and numerous injuries reported.

  • TornadoEF2, 7.75 mi path, 400 yd wide02/29/2012

    Kimberling City, Stone County

    10 injured, $5.5M damage

    What happened

    An EF-2 tornado tracked from near Kimberling City near Joe Bald Road to 1.5 miles west of Branson where it crossed the county line into Taney County. Estimated maximum wind speeds were from 120 to 130 mph. Maximum path width was 400 yards. Path in Stone County was nearly eight miles and the overall length was approximately 22 miles. Damage was reported to 30 homes in Kimberling City, as well as the Joe Bald, Indian Point, Compton Ridge and Gobbler's Mountain areas. Significant damage occurred to the Kimberling Inn. At the Port of Kimberling Marina, four large boat docks were damage or destroyed and nearly 150 boats were damaged though only one was sunk. The tornado track continued into Taney County and struck Branson, Missouri.

  • Thunderstorm Wind61 kt wind07/15/2023

    Blue Eye, Stone County

    1 death, $40K damage

    What happened

    A large oak tree was up rooted and fell on a camper trailer at the Old 86 Campground at Table Rock Lake. A woman sleeping in the camper was killed.

  • Flash Flood03/18/2008

    Crane, Stone County

    $7M damage

    What happened

    Record flooding occurred along the James River over Stone County. 60 homes were destroyed by flooding while approximately 30 of these homes were washed away into the James River. These homes were in the communities of Hooten Town, Bakers Hole, and Galena. The flooding was caused from rainfall amounts up to eight inches near the head waters of the James and Finley rivers. Nearly all low areas that typically experience flooding during excessive rainfall were flooded.

  • Drought08/01/2011

    Stone

    $5M damage

    What happened

    The U.S Drought Monitor reported Severe Drought (D2) throughout the month of August. The region did received some rainfall during the month, though the coverage was limited. As a result of the limited rainfall, combined with the excessive heat, the USDA Service center in Stone County indicated that crop losses were as high as 75 percent of the spring crops. Many farmers and ranchers reported having to feed hay as pastures stopped growing and became dry and farm stock ponds dried up through the month. The crops that were harvested, had a lower quality as a result of the dry conditions.

  • Flash Flood04/25/2011

    Galena, Stone County

    $4M damage

    What happened

    Route AA was closed due to flooding.||The total cost estimate for flooding damages for Stone County for this entire episode has been included. This includes roads, bridges, and structures which were affected.

Drinking water

93 community water systems serve about 22,069 people. Violations since 2021.

4 systems had health-based violations, such as a contaminant over the legal limit or a missed treatment step. 21 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 0 toxic release facilities in Stone County

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

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk3 historic places

Frequently asked questions

How risky is Stone County for natural disasters?
FEMA rates Stone County relatively low for overall natural hazard risk, with expected losses of $30.1M a year. The highest-rated hazards are strong wind (very high), ice storm (relatively high), landslide (relatively moderate).
What storms are most common in Stone County?
Since 1996, NOAA recorded 720 storm events affecting Stone County, most often hail (241), thunderstorm wind (192), flash flood (97).
How many tornadoes have hit Stone County?
32 tornadoes have been recorded in Stone County since 1950.
How many homes in Stone County have flood insurance?
50 residential flood insurance policies are in force in Stone County, covering about 0.3% of homes. The program has paid $2.1M on 75 claims here since 1978.
What is the weather like in Stone County?
At Galena, average highs reach 89°F in Jul and lows fall to 22°F in Jan, with 46.6 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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