Less hazard damage per building is expected in Warrensburg than in 61% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Warrensburg gets a B for hazard risk: lower expected damage per building than 61% of U.S. towns. Most of that expected damage is river and rain flooding (64%), then tornadoes (15%). FEMA’s files show no paid flood insurance claims here.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Warrensburg 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
Tornadoes
Earthquakes
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.
What’s behind Warrensburg’s grade
River and rain flooding is 64% of the building damage FEMA expects in Warrensburg, and Warrensburg’s rate of river and rain flooding damage is lower than 58% of U.S. census tracts. Next is tornadoes at 15% (higher than 89% of U.S. census tracts).
B lower expected damage per building than 61% of U.S. towns (21,298).
All of Warrensburg’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $622K a year in losses across Warrensburg: $303K to buildings, the rest to people and crops.
Does Warrensburg flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Warrensburg. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Warrensburg isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Macon County.1 federal disaster brought FEMA money to Warrensburg
Disasters that paid out in Warrensburg itself (aid to households or repair grants to the Village of Warrensburg), newest first, with that year’s flood claims.
- 2006Severe Winter Storm$14K to the Village of Warrensburg for repairs
Macon County has had 8 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Warrensburg after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Warrensburg archive →Get ready for what Warrensburg faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Warrensburg
Is Warrensburg at risk for natural disasters?
On FEMA’s National Risk Index, Warrensburg has lower expected damage per building than 61% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (64%) and tornadoes (15%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Warrensburg 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 Macon County, 19% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Warrensburg?
FEMA’s Community Rating System list shows no discount for Warrensburg’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 Warrensburg?
By FEMA money that reached Warrensburg, Severe Winter Storm (2006): $14K to the Village of Warrensburg for repairs.
Is Warrensburg at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (64%), and Warrensburg’s rate for it is lower than 58% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Warrensburg.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Warrensburg’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.