Guest, Sign inJoin

Post to Lupus

We’ll email a one-tap link to publish your post. No password, and nothing is public until you click it.
Already a member? Sign in
–Not graded
Natural hazards in Lupus · FEMA

Storms, floods and disasters in Lupus

Lupus isn’t graded for hazard risk: Lupus has 40 residents; we grade towns of 1,000 or more. Flood insurance has paid 14 claims here since 1993.

Flood claims
14
paid since 1993 · $181K
Disasters paid out here
0
of 18 declared for Moniteau County
By hazard

What Lupus 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

77%of expected building damage
Above average · higher than 73% of U.S. census tracts
Recorded about once a year in the area

Tornadoes

7%of expected building damage
Above average · higher than 72% of U.S. census tracts
Recorded about once every 11 years in the area

Ice storms

7%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
 Earthquakes Wildfire Strong wind Hail Winter storms top 4% Lightning Hurricanes 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 heat waves at 12% of Lupus’ expected losses. Heat 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 Lupus flood? Sometimes: 14 flood claims since 1993

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

Paid flood claims, by year
1993: 6 claims1994: 0 claims1995: 8 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: 0 claims2011: 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 claims19931995
19932026
Biggest named events
  • The Midwest Flooding6 claims · $137K
14
paid claims since 1993
$181K
paid to owners
0
homes flooded more than once
$13K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Moniteau County.
What’s been done with FEMA grants
7homes raised above flood level
Disasters

The storms Lupus remembers

None of the 18 disasters declared for Moniteau County shows FEMA aid or repair money reaching Lupus itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 19958 flood claims paidThe year of Severe Storms, Tornadoes, Hail, Flooding, declared for Moniteau County
  2. 19936 flood claims paidThe year of Severe Storms and Flooding, declared for Moniteau County
Disasters declared, by decade
Paid out in LupusMoniteau County only

Moniteau County has had 18 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 Lupus after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Lupus archive →
Be ready

Get ready for what Lupus 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 ↗
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 Lupus

Does Lupus flood?

Flood insurance has paid 14 claims in Lupus since 1993, $181K in all. The most claims came from Midwest Flooding (6).

Is Lupus 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 Moniteau County, 8% of homes in mapped flood zones carry federal flood insurance, and 0.1% of all homes do.

How much is flood insurance in Lupus?

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

By flood claims, Midwest Flooding: 6 paid, $137K.

Storm stories

Memories, warnings and help from neighbors in Lupus.

Town Square →
Start the conversation

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