Less hazard damage per building is expected in Mount Pleasant Township than in 66% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Mount Pleasant Township gets a B+ for hazard risk: lower expected damage per building than 66% of U.S. towns, #37 of 247 in Missouri. Most of that expected damage is river and rain flooding (59%), then tornadoes (15%). Flood insurance has paid 8 claims here since 1998.
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 Mount Pleasant 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
Tornadoes
Hail
Strong wind
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 Mount Pleasant Township’s grade
River and rain flooding is 59% of the building damage FEMA expects in Mount Pleasant Township, and Mount Pleasant Township’s rate of river and rain flooding damage is lower than 68% of U.S. census tracts. Hail adds 11%, at a rate in the top 9% of U.S. census tracts.
B+ #37 of 247 in Missouri; lower expected damage per building than 66% of U.S. towns (21,298).
Mount Pleasant Township’s residents live in 4 census tracts; FEMA’s figures are combined by where they live.
The typical Missouri town has higher expected damage than 59% of U.S. towns; within the state, Mount Pleasant Township has less expected damage per building than 85% of Missouri towns.
In dollars, FEMA expects about $2.1M a year in losses across Mount Pleasant Township: $1.3M to buildings, the rest to people and crops.
Does Mount Pleasant Township flood? Rarely: 8 flood claims since 1998
Every paid claim on a federal flood insurance policy in Mount Pleasant Township, from FEMA’s records: 3.6 per 1,000 homes, more than 53% of the 13,809 U.S. towns with a flood insurance record.
Mount Pleasant 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: Bates County.3 federal disasters brought FEMA money to Mount Pleasant Township
Disasters that paid out in Mount Pleasant Township itself (aid to households or repair grants to Mount Pleasant Township), newest first, with that year’s flood claims.
- 2019Severe Storms, Tornadoes, and Flooding$60K to Mount Pleasant Township for repairs1 flood claim paid that year
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding$15K to Mount Pleasant Township for repairs1 flood claim paid that year
- 2011Severe Winter Storm and Snowstorm$15K to Mount Pleasant Township for repairs
Bates County has had 19 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 Mount Pleasant Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Mount Pleasant Township archive →Mount Pleasant Township and its neighbors
Mount Pleasant Township has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Mount Pleasant Township | B+less damage than 66% | river and rain flooding | 8 |
| Mound Township | — | 926 residents; we grade 1,000+ | |
| Charlotte Township | — | 187 residents; we grade 1,000+ | |
| Summit Township | — | 190 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.
Get ready for what Mount Pleasant 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.
- 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Mount Pleasant Township
Is Mount Pleasant Township at risk for natural disasters?
On FEMA’s National Risk Index, Mount Pleasant Township has lower expected damage per building than 66% of U.S. towns: B+ for hazard risk, #37 of 247 in Missouri. Most of the expected damage is river and rain flooding (59%) and tornadoes (15%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Mount Pleasant Township flood?
Flood insurance has paid 8 claims in Mount Pleasant Township since 1998, $224K in all, or 3.6 per 1,000 homes, more than 53% of U.S. towns with a flood insurance record.
Is Mount Pleasant 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 Bates County, 5% of homes in mapped flood zones carry federal flood insurance, and 0.1% of all homes do.
How much is flood insurance in Mount Pleasant Township?
FEMA’s Community Rating System list shows no discount for Mount Pleasant 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 Mount Pleasant Township?
By FEMA money that reached Mount Pleasant Township, Severe Storms, Tornadoes, and Flooding (2019): $60K to Mount Pleasant Township for repairs.
Is Mount Pleasant Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (59%), and Mount Pleasant Township’s rate for it is lower than 68% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Mount Pleasant Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Mount Pleasant 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.