Property Atlas

County hazard profile

Boone, MO

Missouri · pop. 183,385 · FIPS 29019

Relatively Moderate
FEMA risk rating · RATING
Heat Wave
dominant hazard
$75M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the lowest nationally

national median $15M/yr Boone $75M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Moderate 85.75/100
national median ~50 higher than 86% of counties
Social vulnerabilityVery Low 13.39/100
national median ~50 among the lowest nationally
Community resilienceVery High 91.7/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Boone

The National Flood Insurance Program has paid 195 flood-insurance claims totaling $4.1M in Boone since 1979. The costliest year was 2008 ($991K paid).

Flood-insurance dollars paid by year of loss

1979: $56,482 paid 1980: $0 paid 1981: $110,736 paid 1982: $148,527 paid 1983: $51,592 paid 1984: $11,859 paid 1985: $27,958 paid 1986: $0 paid 1990: $55,622 paid 1992: $1,606 paid 1993: $551,776 paid 1994: $480 paid 1995: $50,387 paid 1997: $8,432 paid 2001: $79,885 paid 2002: $14,628 paid 2004: $185,103 paid 2008: $990,946 paid 2009: $711,148 paid 2010: $6,426 paid 2011: $0 paid 2013: $48,589 paid 2014: $43,905 paid 2015: $29,757 paid 2016: $12,554 paid 2017: $11,844 paid 2019: $78,015 paid 2021: $771,904 paid 2024: $0 paid 2025: $2,834 paid 2008 · $991K 1979 2025
$4.1M
total paid
$20,836
average claim
$500K
largest single claim
66%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Boone, MO and where it ranks among U.S. counties. It is not a verdict on whether Boone is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.