–Not graded

Natural hazards in Gladstone · FEMA

Storms, floods and disasters in Gladstone

Gladstone isn’t graded for hazard risk: Gladstone has 237 residents; we grade towns of 1,000 or more. Flood insurance has paid 7 claims here since 1993.

Flood claims

paid since 1993 · $177K

Flooded more than once

properties · 1 “severe repetitive loss”

Disasters paid out here

of 13 declared for Henderson County

By hazard

What Gladstone 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

76%of expected building damage

Well above average · in the top 4% of U.S. census tracts

Recorded about 2 times a year in the area

Hail

14%of expected building damage

Well above average · in the top 1% of U.S. census tracts

Recorded about 4 times a year in the area

Smaller shares here

Tornadoes Strong wind top 1% Earthquakes Ice storms Hurricanes Wildfire Winter storms Cold waves Heat waves Landslides Lightning

FEMA models no building damage here

Coastal floodingAvalanchesTsunamisVolcanic activity

People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts drought at 14% of Gladstone’s expected losses. Drought does 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 Gladstone flood? Rarely: 7 flood claims since 1993

Every paid claim on a federal flood insurance policy in Gladstone, from FEMA’s records.

Paid flood claims, by year

199320082013

19932026

Biggest named events

The Midwest Flooding1 claim · $49K

paid claims since 1993

$177K

paid to owners

homes flooded more than once

$25K

average claim

Homes that flooded again and again

FEMA “severe repetitive loss” (1)Flooded 2+ times

of homes in flood zones are insured

of all homes are insured

No community discount

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

Insurance rates: Henderson County.

Disasters

4 federal disasters brought FEMA money to Gladstone

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

2013Severe Storms, Straight-line Winds, and Flooding11 households applied for aid$19K aid approved1 flood claim paid that year
2008Severe Storms and Flooding88 households applied for aid$436K aid approved$116K to the Village of Gladstone for repairs2 flood claims paid that year
2000Illinois Winter Snow Storms$2K to the Village of Gladstone for repairs
1999Il-winter Storm 1/1/99$1K to the Village of Gladstone for repairs

Disasters declared, by decade

Paid out in GladstoneHenderson County only

Henderson County has had 13 natural disasters declared by the President since 1953, most often floods, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

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

Add to the Gladstone archive →

Be ready

Get ready for what Gladstone 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.

Questions about natural hazards in Gladstone

Does Gladstone flood?

Flood insurance has paid 7 claims in Gladstone since 1993, $177K in all. 1 properties have flooded more than once. The most claims came from Midwest Flooding (1).

Is Gladstone 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 Henderson County, 33% of homes in mapped flood zones carry federal flood insurance, and 2.1% of all homes do.

How much is flood insurance in Gladstone?

FEMA’s Community Rating System list shows no discount for Gladstone’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 Gladstone?

By FEMA money that reached Gladstone, Severe Storms and Flooding (2008): 88 households applied for aid, $436K approved, and $116K to the Village of Gladstone for repairs. By flood claims, Midwest Flooding: 1 paid, $49K.

Storm stories

Memories, warnings and help from neighbors in Gladstone.

Town Square →

Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Gladstone’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.

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