Property Atlas

County hazard profile

McDonald, MO

Missouri · pop. 23,248 · FIPS 29119

Relatively Low
FEMA risk rating · RATING
Ice Storm
dominant hazard
$25M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr McDonald $25M

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 63.99/100
national median ~50 near the national middle (64th percentile)
Social vulnerabilityRelatively Low 27.39/100
national median ~50 lower than most counties (27th percentile)
Community resilienceVery Low 2.1/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in McDonald

The National Flood Insurance Program has paid 386 flood-insurance claims totaling $12.8M in McDonald since 1995. The costliest year was 2015 ($3.0M paid).

Flood-insurance dollars paid by year of loss

1995: $169,522 paid 2001: $2,816 paid 2005: $1,817 paid 2008: $1,195,871 paid 2009: $130,722 paid 2011: $2,226,220 paid 2013: $641,766 paid 2015: $2,952,121 paid 2017: $2,868,446 paid 2018: $165,393 paid 2019: $1,920,828 paid 2020: $9,000 paid 2021: $21,231 paid 2022: $179,284 paid 2023: $262,251 paid 2024: $22,840 paid 2025: $9,043 paid 2015 · $3.0M 1995 2025
$12.8M
total paid
$33,107
average claim
$253K
largest single claim
84%
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 McDonald, MO and where it ranks among U.S. counties. It is not a verdict on whether McDonald 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.