For ice storms, Piney Township’s building-damage rate is in the top 2% of U.S. census tracts
On FEMA’s National Risk Index, Piney Township gets a C+ for hazard risk: higher expected damage per building than 60% of U.S. towns, #131 of 247 in Missouri. Most of that expected damage is river and rain flooding (59%), then earthquakes (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 Piney 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
Earthquakes
Tornadoes
Ice storms
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 Piney Township’s grade
River and rain flooding is 59% of the building damage FEMA expects in Piney Township, and Piney Township’s rate of river and rain flooding damage is higher than 53% of U.S. census tracts. Ice storms add 8%, at a rate in the top 2% of U.S. census tracts.
C+ #131 of 247 in Missouri; higher expected damage per building than 60% of U.S. towns (21,298).
Piney Township’s residents live in 3 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, Piney Township has more expected damage per building than 53% of Missouri towns.
In dollars, FEMA expects about $3.1M a year in losses across Piney Township: $1.1M to buildings, the rest to people and crops.
Does Piney Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Piney Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Piney 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: Texas County.12 federal disasters brought FEMA money to Piney Township
Disasters that paid out in Piney Township itself (aid to households or repair grants to Piney Township), newest first, with that year’s flood claims.
- 2025Severe Storms, Straight-line Winds, Tornadoes, and Flooding$380K to Piney Township for repairs
- 2024Severe Storms, Tornadoes, Straight-line Winds, and Flooding$302K to Piney Township for repairs
- 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding$449K to Piney Township for repairs
- 2017Severe Storms, Tornadoes, Straight-line Winds and Flooding$628K to Piney Township for repairs
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding$45K to Piney Township for repairs
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding$87K to Piney Township for repairs
Show all 12
- 2013Severe Storms, Straight-line Winds and Flooding$19K to Piney Township for repairs
- 2013Severe Storms, Straight-line Winds, Tornadoes, and Flooding$12K to Piney Township for repairs
- 2011Severe Storms, Tornadoes, and Flooding$14K to Piney Township for repairs
- 2008Severe Storms and Flooding$42K to Piney Township for repairs
- 2008Severe Winter Storms and Flooding$8K to Piney Township for repairs
- 2002Severe Storms, Tornadoes and Flooding$122K to Piney Township for repairs
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.
Old photos of Piney Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Piney Township archive →Piney Township and its neighbors
Piney Township has the lowest expected damage per building of the 4 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Piney Township | C+more damage than 60% | river and rain flooding | 0 |
| Lynch Township | C+more damage than 63% | river and rain flooding | — |
| Jackson Township | Cmore damage than 74% | river and rain flooding | — |
| Cass Township | C−more damage than 76% | river and rain flooding | — |
| Morris Township | — | 647 residents; we grade 1,000+ | |
| Upton Township | — | 530 residents; we grade 1,000+ | |
| Ozark Township | — | 251 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 Piney 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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.
- 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.
- 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 Piney Township
Is Piney Township at risk for natural disasters?
On FEMA’s National Risk Index, Piney Township has higher expected damage per building than 60% of U.S. towns: C+ for hazard risk, #131 of 247 in Missouri. Most of the expected damage is river and rain flooding (59%) and earthquakes (15%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Piney 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 Texas County, 0.3% of all homes carry federal flood insurance.
How much is flood insurance in Piney Township?
FEMA’s Community Rating System list shows no discount for Piney 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 Piney Township?
By FEMA money that reached Piney Township, Severe Storms, Tornadoes, Straight-line Winds and Flooding (2017): $628K to Piney Township for repairs.
Is Piney Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (59%), and Piney Township’s rate for it is higher than 53% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Piney Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Piney 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.