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Cabool-Main-St-moPhoto: Brian Stansberry · CC BY 4.0
C−Hazard risk
Natural hazards in Cabool · FEMA

FEMA puts Cabool’s expected hazard damage per building above that of 82% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Cabool gets a C− for hazard risk: higher expected damage per building than 82% of U.S. towns. Most of that expected damage is river and rain flooding (72%). Flood insurance has paid 2 claims here since 1985.

River and rain flooding 72%Earthquakes 9%Tornadoes 7%

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

more than 82%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
C−
in Missouri · higher than 82% of U.S. towns
Main hazard
River and rain flooding
72% of expected building damage
Flood claims
2
paid since 1985 · $17K
Disasters paid out here
7
of 23 declared for Texas County
By hazard

What Cabool 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

72%of expected building damage
Well above average · higher than 84% of U.S. census tracts
Recorded about 3 times a year in the area

Earthquakes

9%of expected building damage
Above average · higher than 79% of U.S. census tracts

Tornadoes

7%of expected building damage
Well above average · higher than 83% of U.S. census tracts
Recorded about once every 12 years in the area

Ice storms

6%of expected building damage
Well above average · in the top 2% of U.S. census tracts
Recorded about once a year in the area
Smaller shares here
 Strong wind Winter storms top 2% Hail Wildfire 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 29% of Cabool’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.
Hazard risk grade

What’s behind Cabool’s grade

River and rain flooding is 72% of the building damage FEMA expects in Cabool, and Cabool’s rate of river and rain flooding damage is higher than 84% of U.S. census tracts. Ice storms add 6%, at a rate in the top 2% of U.S. census tracts.

Where Cabool sits
Cabool
Least damageMiddleMost damage

C− higher expected damage per building than 82% of U.S. towns (21,298).

Cabool’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding72%Earthquakes9%Tornadoes7%Everything else12%

In dollars, FEMA expects about $1.6M a year in losses across Cabool: $638K to buildings, the rest to people and crops.

A small-area figure. Cabool covers 2 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Cabool flood? Rarely: 2 flood claims since 1985

Every paid claim on a federal flood insurance policy in Cabool, from FEMA’s records: 1.8 per 1,000 homes, fewer than 64% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1985: 1 claim1986: 0 claims1987: 0 claims1988: 0 claims1989: 0 claims1990: 0 claims1991: 0 claims1992: 0 claims1993: 0 claims1994: 0 claims1995: 0 claims1996: 0 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 1 claim2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims19852010
19852026
2
paid claims since 1985
$17K
paid to owners
0
homes flooded more than once
$8K
average claim
of all homes are insured
No community discount

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

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

7 federal disasters brought FEMA money to Cabool

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

  1. 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding1 households applied for aid$2K aid approved
  2. 2017Severe Storms, Tornadoes, Straight-line Winds and Flooding15 households applied for aid$47K aid approved$72K to the City of Cabool for repairs
  3. 2009Severe Storms, Tornadoes, and Flooding9 households applied for aid$1K aid approved
  4. 2008Severe Storms, Flooding, and a Tornado1 households applied for aid$30K aid approved
  5. 2008Severe Storms and Flooding6 households applied for aid$16K aid approved
  6. 2008Severe Winter Storms and Flooding$39K to the City of Cabool for repairs
Show all 7
  1. 2002Severe Storms, Tornadoes and Flooding$11K to the City of Cabool for repairs
Disasters declared, by decade
Paid out in CaboolTexas County only

Texas County has had 23 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.

Were you here?

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

Add to the Cabool archive →
Be ready

Get ready for what Cabool 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 ↗
Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
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 ↗
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 ↗
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 Cabool

Is Cabool at risk for natural disasters?

On FEMA’s National Risk Index, Cabool has higher expected damage per building than 82% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (72%) and earthquakes (9%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Cabool flood?

Flood insurance has paid 2 claims in Cabool since 1985, $17K in all, or 1.8 per 1,000 homes, fewer than 64% of U.S. towns with a flood insurance record.

Is Cabool 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 Texas County, 0.3% of all homes carry federal flood insurance.

How much is flood insurance in Cabool?

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

By FEMA money that reached Cabool, Severe Storms, Tornadoes, Straight-line Winds and Flooding (2017): 15 households applied for aid, $47K approved, and $72K to the City of Cabool for repairs.

Is Cabool at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (72%), and Cabool’s rate for it is higher than 84% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Cabool.

Town Square →
Start the conversation

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