Risk Index · Jackson County · 2026-06-13
Kansas City, MO real-estate risk
- Risk score
- 96.5/100
- Relatively High
- Expected annual loss
- $251M
- all hazards, county-wide
- Buildings-only loss
- $156M
- what owners and insurers carry
- Population
- 717K
- Jackson County
Kansas City, MO (Jackson County) carries a FEMA National Risk Index score of 96.5/100, rated "Relatively High" and driven mainly by tornado and hail, with roughly $251M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Tornado99.5
- Hail99.4
- Heat wave99.1
- Riverine flood96.5
- Strong wind96.1
- Earthquake82.2
- Wildfire49.2
- Drought46.1
Each score is the county's percentile against every US county for that hazard (0-100).
What it means for insurance
Severe convective storms (tornado/hail) drive the insurance cost here. Wind/hail deductibles and roof age are what underwriters price, and what's been pushing Midwest/Plains premiums up.
Kansas City risk questions
Is Kansas City, MO a high-risk area for real estate?
Kansas City scores 96.5/100 on FEMA's National Risk Index, rated "Relatively High" versus all US counties. Its expected natural-hazard loss is about $251M per year.
What is the biggest natural hazard in Kansas City?
The highest-rated hazard is tornado (99.5/100), followed by hail (99.4/100).
How does hazard risk affect property insurance in Kansas City?
Severe convective storms (tornado/hail) drive the insurance cost here. Wind/hail deductibles and roof age are what underwriters price, and what's been pushing Midwest/Plains premiums up.
Source: FEMA National Risk Index (Counties), v1.20 (2026-06-13). Scores are national percentiles (0-100). Insurance commentary is PropHunt's interpretation of the hazard data, not an insurance quote.