Ranked from FEMA National Risk Index
Lowest Expected Disaster Loss per Household in Missouri
The counties where FEMA's expected annual loss per household is smallest. Low exposure is one of the few housing-cost advantages that never shows up in the listing price. It shows up in what an insurer actually charges, which is not the same as the insurance figure in these tables, since that is a statewide average and cannot vary by county. Expected annual loss is FEMA's National Risk Index figure for the county, divided by the number of occupied housing units the Census reports there.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Missouri ranked
| # | County | Disaster loss per household | FEMA risk rating | Median home |
|---|---|---|---|---|
| 1 | Greene County | $737 | Relatively Moderate | $203,500 |
| 2 | Jackson County | $828 | Relatively High | $213,300 |
| 3 | Boone County | $1,000 | Relatively Moderate | $254,100 |
| 4 | Cass County | $1,046 | Relatively Low | $269,000 |
| 5 | Buchanan County | $1,050 | Relatively Low | $156,600 |
| 6 | Christian County | $1,054 | Relatively Low | $249,700 |
| 7 | Phelps County | $1,061 | Relatively Low | $194,900 |
| 8 | Platte County | $1,103 | Relatively Low | $317,600 |
| 9 | Clay County | $1,115 | Relatively Moderate | $256,400 |
| 10 | Johnson County | $1,176 | Relatively Low | $221,400 |
| 11 | Jasper County | $1,210 | Relatively Moderate | $158,500 |
| 12 | Webster County | $1,228 | Relatively Low | $219,100 |
| 13 | Adair County | $1,278 | Very Low | $159,500 |
| 14 | Polk County | $1,300 | Relatively Low | $189,600 |
| 15 | Cedar County | $1,311 | Very Low | $162,500 |
| 16 | Jefferson County | $1,316 | Relatively Moderate | $218,800 |
| 17 | Randolph County | $1,342 | Very Low | $141,900 |
| 18 | Pettis County | $1,346 | Relatively Low | $161,500 |
| 19 | St. Charles County | $1,356 | Relatively Moderate | $296,800 |
| 20 | Caldwell County | $1,376 | Very Low | $156,700 |
| 21 | Callaway County | $1,383 | Relatively Low | $196,200 |
| 22 | Cole County | $1,388 | Relatively Low | $214,400 |
| 23 | Douglas County | $1,394 | Very Low | $164,400 |
| 24 | Franklin County | $1,408 | Relatively Moderate | $214,900 |
| 25 | Lincoln County | $1,413 | Relatively Low | $224,800 |
| 26 | Bates County | $1,470 | Very Low | $154,800 |
| 27 | Audrain County | $1,471 | Relatively Low | $121,600 |
| 28 | Henry County | $1,473 | Relatively Low | $153,500 |
| 29 | Ray County | $1,478 | Relatively Low | $187,400 |
| 30 | St. Clair County | $1,491 | Very Low | $142,500 |
| 31 | St. Francois County | $1,492 | Relatively Low | $155,100 |
| 32 | Lawrence County | $1,496 | Relatively Low | $159,800 |
| 33 | Marion County | $1,497 | Relatively Low | $158,100 |
| 34 | Dallas County | $1,578 | Very Low | $151,200 |
| 35 | Hickory County | $1,582 | Very Low | $123,200 |
| 36 | Newton County | $1,607 | Relatively Low | $175,300 |
| 37 | Laclede County | $1,611 | Relatively Low | $158,000 |
| 38 | Lafayette County | $1,620 | Relatively Low | $200,300 |
| 39 | Schuyler County | $1,624 | Very Low | $118,200 |
| 40 | Andrew County | $1,631 | Very Low | $196,200 |
| 41 | Moniteau County | $1,687 | Very Low | $168,300 |
| 42 | Livingston County | $1,714 | Very Low | $138,300 |
| 43 | Texas County | $1,727 | Relatively Low | $123,300 |
| 44 | Linn County | $1,739 | Very Low | $117,300 |
| 45 | Pulaski County | $1,764 | Relatively Low | $189,700 |
| 46 | Macon County | $1,778 | Very Low | $127,000 |
| 47 | Miller County | $1,782 | Relatively Low | $169,800 |
| 48 | Putnam County | $1,809 | Very Low | $111,600 |
| 49 | Vernon County | $1,813 | Relatively Low | $136,700 |
| 50 | St. Louis County | $1,815 | Relatively High | $260,700 |
| 51 | Cooper County | $1,833 | Very Low | $197,100 |
| 52 | Taney County | $1,861 | Relatively Moderate | $203,800 |
| 53 | Ozark County | $1,869 | Very Low | $156,400 |
| 54 | Howell County | $1,885 | Relatively Low | $161,000 |
| 55 | Wright County | $1,912 | Relatively Low | $152,300 |
| 56 | Saline County | $1,940 | Relatively Low | $139,600 |
| 57 | Crawford County | $1,942 | Relatively Low | $166,000 |
| 58 | Howard County | $1,955 | Very Low | $145,300 |
| 59 | Gasconade County | $1,967 | Very Low | $168,900 |
| 60 | Grundy County | $2,005 | Very Low | $107,000 |
| 61 | Nodaway County | $2,005 | Relatively Low | $165,100 |
| 62 | Pike County | $2,006 | Very Low | $129,400 |
| 63 | Monroe County | $2,009 | Very Low | $147,400 |
| 64 | DeKalb County | $2,029 | Very Low | $167,500 |
| 65 | Warren County | $2,035 | Relatively Low | $241,200 |
| 66 | Benton County | $2,075 | Relatively Low | $164,700 |
| 67 | Cape Girardeau County | $2,091 | Relatively Moderate | $208,300 |
| 68 | Ralls County | $2,099 | Very Low | $153,400 |
| 69 | Montgomery County | $2,118 | Very Low | $171,300 |
| 70 | Maries County | $2,129 | Very Low | $193,100 |
| 71 | Sullivan County | $2,139 | Very Low | $103,300 |
| 72 | Dade County | $2,170 | Very Low | $157,200 |
| 73 | Osage County | $2,234 | Very Low | $205,700 |
| 74 | Barry County | $2,241 | Relatively Low | $172,900 |
| 75 | Washington County | $2,247 | Relatively Low | $118,400 |
| 76 | Stone County | $2,285 | Relatively Low | $236,500 |
| 77 | Harrison County | $2,365 | Very Low | $107,400 |
| 78 | Daviess County | $2,407 | Very Low | $149,200 |
| 79 | Scott County | $2,449 | Relatively Low | $143,700 |
| 80 | Bollinger County | $2,464 | Very Low | $142,400 |
| 81 | St. Louis city | $2,487 | Relatively High | $185,100 |
| 82 | Lewis County | $2,514 | Very Low | $118,900 |
| 83 | Perry County | $2,529 | Relatively Low | $189,400 |
| 84 | Stoddard County | $2,535 | Relatively Low | $135,400 |
| 85 | Barton County | $2,628 | Relatively Low | $136,000 |
| 86 | Morgan County | $2,641 | Relatively Low | $180,400 |
| 87 | Clinton County | $2,696 | Relatively Low | $204,300 |
| 88 | Carroll County | $2,743 | Very Low | $110,500 |
| 89 | Dunklin County | $2,754 | Relatively Low | $93,800 |
| 90 | Butler County | $2,781 | Relatively Moderate | $138,800 |
| 91 | Shelby County | $2,789 | Very Low | $86,200 |
| 92 | Dent County | $2,875 | Relatively Low | $149,700 |
| 93 | Clark County | $2,951 | Very Low | $117,600 |
| 94 | McDonald County | $2,955 | Relatively Low | $134,100 |
| 95 | Atchison County | $3,006 | Very Low | $100,600 |
| 96 | Mercer County | $3,071 | Very Low | $95,300 |
| 97 | Gentry County | $3,143 | Very Low | $123,000 |
| 98 | Ste. Genevieve County | $3,180 | Relatively Low | $215,600 |
| 99 | Chariton County | $3,191 | Very Low | $118,900 |
| 100 | Oregon County | $3,244 | Relatively Low | $117,700 |
| 101 | Madison County | $3,258 | Relatively Low | $155,900 |
| 102 | Wayne County | $3,437 | Relatively Low | $113,100 |
| 103 | Mississippi County | $3,444 | Relatively Low | $100,300 |
| 104 | Ripley County | $3,565 | Relatively Low | $110,800 |
| 105 | Camden County | $3,595 | Relatively Moderate | $270,700 |
| 106 | Holt County | $3,841 | Very Low | $122,300 |
| 107 | Pemiscot County | $3,923 | Relatively Low | $95,900 |
| 108 | Scotland County | $4,036 | Very Low | $141,100 |
| 109 | New Madrid County | $4,162 | Relatively Low | $105,500 |
| 110 | Shannon County | $4,334 | Relatively Low | $151,000 |
| 111 | Knox County | $4,867 | Very Low | $97,200 |
| 112 | Worth County | $5,200 | Very Low | $94,600 |
| 113 | Carter County | $5,433 | Relatively Low | $147,600 |
| 114 | Iron County | $5,983 | Relatively Low | $113,000 |
| 115 | Reynolds County | $8,667 | Relatively Low | $119,900 |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Lowest Expected Disaster Loss per Household across all 3,133 US counties · Every county in Missouri