Hurricanes risk in Missouri

Hurricane characteristics in Missouri

Missouri is located in the Midwest, far from the coasts, so a direct hurricane landfall — with a well-defined eye and hurricane-force winds — cannot occur in the state. The NOAA National Hurricane Center tracks tropical cyclones that can weaken as they move inland, and by the time remnants reach Missouri they are typically classified as tropical depressions or post-tropical cyclones.

However, hurricane remnants can still have serious impacts. When a hurricane makes landfall on the Gulf Coast or the Atlantic coast, its remaining moisture is often carried northward by prevailing winds. As this moisture interacts with weather fronts over Missouri, it can produce intense, prolonged rainfall. This is a common setup for significant inland flooding, especially in the eastern and southeastern parts of the state, where the Mississippi River and its tributaries like the Missouri River are already vulnerable to high water.

The official Atlantic hurricane season runs from June 1 through November 30, with peak activity typically from mid-August to late October. Missouri can be affected by tropical remnants during this period, but the risk is much lower than in coastal states. The Missouri State Emergency Management Agency (SEMA) monitors these storms and coordinates alerts for flooding and severe weather threats.

While Missouri's overall hurricane risk is rated Level 1 of 5 (very low), the state does face indirect effects such as flash flooding, river flooding, isolated tornadoes, and damaging winds from severe thunderstorms embedded in the remnant system. The highest exposure is generally along major rivers and in areas with poor drainage, but any part of Missouri can see heavy rain from a tropical remnant.

How it affects homes

Even though hurricane-strength winds are unlikely in Missouri, the aftermath of a hurricane remnant can cause significant property damage. The primary threat is flooding. Heavy rainfall can overwhelm creeks, streams, and storm drains, leading to water entering basements and crawl spaces. Homeowners near rivers face the risk of rising water over several days, which can damage foundations, electrical systems, heating and cooling equipment, and personal belongings.

Wind from thunderstorms that form within the remnant system can also cause damage. Strong wind gusts can shatter windows, tear off roof shingles, and knock down tree limbs. Falling trees and branches frequently damage roofs, fences, sheds, and parked vehicles. Power outages may last for hours or even days, affecting heating, cooling, and refrigeration.

Regarding insurance, it is important to understand that standard homeowners policies typically do not cover flood damage. Flood insurance is available through the National Flood Insurance Program (NFIP), administered by FEMA. The FEMA Hurricane Preparedness page advises all property owners — even those outside high-risk flood zones — to consider flood insurance, because about 25% of flood insurance claims occur in moderate- to low-risk areas.

Wind damage from a severe thunderstorm is generally covered under a standard homeowners policy, but you should review your policy limits and deductibles. In some cases, hurricane-related flooding is excluded unless you purchase separate coverage. Contact your insurance provider to understand exactly what is covered and whether a flood policy is worthwhile for your property.

How to prepare your home

Preparing for a hurricane remnant in Missouri is essentially preparing for heavy rain and possible flooding. Use the guidance from Ready.gov/hurricanes as a starting point. Here are practical steps you can take:

• Clear gutters and downspouts to ensure water flows away from your foundation.
• Install a sump pump and test it regularly, and consider a battery backup in case of power loss.
• Seal cracks in your basement foundation and walls to reduce water seepage.
• Elevate electrical systems like outlets, switches, and wiring at least 12 inches above the potential flood level.
• Move furniture and valuables to upper floors if flooding is predicted.
• Secure outdoor items like patio furniture, grills, and trash cans that can become projectiles in high wind.
• Trim trees near your house to reduce the chance of falling branches.
• Make an emergency kit with water, non-perishable food, flashlights, batteries, a first-aid kit, medications, and important documents.
• Know your flood zone by checking FEMA’s Flood Map Service Center.
• Review your insurance coverage and consider flood insurance.

Frequently asked questions

Can hurricanes actually hit Missouri?

No, a hurricane in its full form can never make landfall in Missouri because the state is too far inland. However, remnants of hurricanes can move across Missouri, bringing heavy rain, flooding, and severe thunderstorms. These remnants are still dangerous and have caused major flooding events in the state.

Does homeowners insurance cover hurricane damage in Missouri?

Standard homeowners insurance in Missouri typically covers wind damage from severe thunderstorms, including those caused by hurricane remnants, but it does not cover flood damage. To protect against flooding, you need a separate flood insurance policy through the National Flood Insurance Program or a private insurer. Always review your policy to see exactly what is covered.

What should I do if a hurricane remnant is forecast for my area?

Monitor updates from the National Weather Service and the Missouri State Emergency Management Agency. Follow local evacuation orders if flooding is expected, move important items to higher ground, and avoid driving through flooded roadways. Have your emergency kit ready and be prepared for possible power outages.

Official resources

• Missouri State Emergency Management Agency
• NOAA National Hurricane Center
• Ready.gov – Hurricanes
• FEMA Hurricane Preparedness