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C+Hazard risk
Natural hazards in Drywood Township · FEMA

On FEMA’s figures, Drywood Township faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding

On FEMA’s National Risk Index, Drywood Township gets a C+ for hazard risk: higher expected damage per building than 58% of U.S. towns. Most of that expected damage is river and rain flooding (75%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 75%Tornadoes 10%Hail 5%

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 58%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 58% of U.S. towns
Main hazard
River and rain flooding
75% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
3
of 22 declared for Vernon County
By hazard

What Drywood Township 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

75%of expected building damage
Above average · higher than 67% of U.S. census tracts
Recorded about 3 times a year in the area

Tornadoes

10%of expected building damage
Well above average · higher than 81% of U.S. census tracts
Recorded about once every 8 years in the area
Smaller shares here
 Hail Earthquakes Ice storms Strong wind Winter storms top 3% 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 drought at 24% of Drywood Township’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.
Hazard risk grade

What’s behind Drywood Township’s grade

River and rain flooding is 75% of the building damage FEMA expects in Drywood Township, and Drywood Township’s rate of river and rain flooding damage is higher than 67% of U.S. census tracts. Ice storms add 3%, at a rate in the top 5% of U.S. census tracts.

Where Drywood Township sits
Drywood Township
Least damageMiddleMost damage

C+ higher expected damage per building than 58% of U.S. towns (21,298).

All of Drywood Township’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding75%Tornadoes10%Hail5%Everything else11%

In dollars, FEMA expects about $940K a year in losses across Drywood Township: $407K to buildings, the rest to people and crops.

Shared tract.All of Drywood Township’s 1,215 residents (2020 census) live in one census tract, which it shares with Moundville township (647 residents) and Sheldon city (435 residents) and Bronaugh city (163 residents) and Moundville town (78 residents) and Milo village (57 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the township’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Drywood Township flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Drywood Township. 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

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

Insurance rates: Vernon County.
Disasters

3 federal disasters brought FEMA money to Drywood Township

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

  1. 2011Severe Winter Storm and Snowstorm$16K to Drywood Township for repairs
  2. 2008Severe Storms and Flooding$39K to Drywood Township for repairs
  3. 2002Severe Storms, Tornadoes and Flooding$103K to Drywood Township for repairs
Disasters declared, by decade
Paid out in Drywood TownshipVernon County only

Vernon County has had 22 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 Drywood Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Drywood Township archive →
Next door

Drywood Township and its neighbors

Drywood Township is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Moundville Township: not gradedDover Township: not gradedUnion Township: not gradedCenter Township: hazard risk C+Moundville TownshipDover TownshipUnion TownshipCenter TownshipDrywood Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Center TownshipC+more damage than 55%river and rain flooding2
Drywood TownshipC+more damage than 58%river and rain flooding0
Moundville Township—628 residents; we grade 1,000+
Dover Township—317 residents; we grade 1,000+
Union Township—780 residents; we grade 1,000+

Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.

Be ready

Get ready for what Drywood Township 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 ↗
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 Drywood Township

Is Drywood Township at risk for natural disasters?

On FEMA’s National Risk Index, Drywood Township has higher expected damage per building than 58% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (75%) and tornadoes (10%). 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 Drywood Township 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 Vernon 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 Drywood Township?

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

By FEMA money that reached Drywood Township, Severe Storms, Tornadoes and Flooding (2002): $103K to Drywood Township for repairs.

Is Drywood Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (75%), and Drywood Township’s rate for it is higher than 67% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Drywood Township.

Town Square →
Start the conversation

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