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–Not graded
Natural hazards in Lead Hill · FEMA

Storms, floods and disasters in Lead Hill

Lead Hill isn’t graded for hazard risk: Lead Hill has 320 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
5
of 19 declared for Boone County
By hazard

What Lead Hill faces

Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.

River and rain flooding

61%of expected building damage
Above average · higher than 67% of U.S. census tracts
Recorded about once a year in the area

Ice storms

19%of expected building damage
Well above average · in the top 1% of U.S. census tracts
Recorded about 2 times a year in the area

Tornadoes

10%of expected building damage
Well above average · higher than 90% of U.S. census tracts
Recorded about once every 8 years in the area
Smaller shares here
 Earthquakes Strong wind Hail Wildfire Winter storms top 5% Hurricanes Lightning Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 27% of Lead Hill’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Lead Hill flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Lead Hill. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

Lead Hill isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Boone County.
What’s been done with FEMA grants
2storm safe rooms built
Disasters

5 federal disasters brought FEMA money to Lead Hill

Disasters that paid out in Lead Hill itself (aid to households or repair grants to the Town of Lead Hill), newest first, with that year’s flood claims.

  1. 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding4 households applied for aid$11K aid approved
  2. 2017Severe Storms, Tornadoes, Straight-line Winds, and Flooding4 households applied for aid$1K aid approved
  3. 2011Severe Storms, Tornadoes, and Associated Flooding6 households applied for aid$2K aid approved$96K to the Town of Lead Hill for repairs
  4. 2009Severe Winter Storm$63K to the Town of Lead Hill for repairs
  5. 2008Severe Storms, Tornadoes, and Flooding4 households applied for aid$2K aid approved
Disasters declared, by decade
Paid out in Lead HillBoone County only

Boone County has had 19 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

Old photos of Lead Hill after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Lead Hill archive →
Be ready

Get ready for what Lead Hill faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • Turn around at flooded roads: a foot of moving water can carry off a car.
  • Flood insurance usually takes 30 days to start, so buy it before the forecast.
  • Keep papers and medicines up high, in a grab-and-go bag.
More from Ready.gov ↗
Ice storms
  • Ice brings down trees and lines: plan for days without power.
  • Run a generator outside, far from doors and windows.
  • Keep sand or salt by the door.
More from Ready.gov ↗
Tornado warnings
  • Pick your spot now: the lowest floor, an inside room, no windows.
  • A watch means be ready; a warning means take cover now.
  • Keep shoes and a flashlight by the bed.
More from Ready.gov ↗
Before you buy or rent
  • Look up the address on FEMA’s flood map.
  • Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
  • Get a flood insurance quote early: policies usually start 30 days after you buy.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Lead Hill

Is Lead Hill in a flood zone?

Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Boone County, 4% of homes in mapped flood zones carry federal flood insurance, and 0.1% of all homes do.

How much is flood insurance in Lead Hill?

FEMA’s Community Rating System list shows no discount for Lead Hill’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

What was the biggest storm in Lead Hill?

By FEMA money that reached Lead Hill, Severe Storms, Tornadoes, and Associated Flooding (2011): 6 households applied for aid, $2K approved, and $96K to the Town of Lead Hill for repairs.

Storm stories

Memories, warnings and help from neighbors in Lead Hill.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lead Hill’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.