Property Atlas

County hazard profile

Callaway, MO

Missouri · pop. 44,176 · FIPS 29027

Relatively Low
FEMA risk rating · RATING
Heat Wave
dominant hazard
$22M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Callaway $22M

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 Low 63.93/100
national median ~50 near the national middle (64th percentile)
Social vulnerabilityRelatively Moderate 46.85/100
national median ~50 near the national middle (47th percentile)
Community resilienceRelatively High 69.88/100
national median ~50 near the national middle (70th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Callaway

The National Flood Insurance Program has paid 316 flood-insurance claims totaling $4.5M in Callaway since 1978. The costliest year was 1993 ($2.0M paid).

Flood-insurance dollars paid by year of loss

1978: $38,813 paid 1979: $6,741 paid 1981: $68,000 paid 1982: $25,697 paid 1983: $30,682 paid 1985: $18,032 paid 1986: $162,413 paid 1990: $65,717 paid 1992: $0 paid 1993: $1,965,132 paid 1994: $45,445 paid 1995: $923,108 paid 1997: $1,776 paid 1998: $5,284 paid 1999: $0 paid 2001: $4,230 paid 2006: $0 paid 2008: $62,667 paid 2009: $281 paid 2010: $14,880 paid 2011: $1,056 paid 2012: $0 paid 2013: $8,418 paid 2014: $4,761 paid 2016: $53,616 paid 2017: $5,909 paid 2019: $986,811 paid 2020: $0 paid 2021: $0 paid 1993 · $2.0M 1978 2021
$4.5M
total paid
$14,239
average claim
$365K
largest single claim
86%
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 Callaway, MO and where it ranks among U.S. counties. It is not a verdict on whether Callaway 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.