Storm risk in Boone County, Missouri

FEMA's overall hazard score for Boone County is 85.75 (Relatively Moderate), 449th of 3,144 counties. Hail scores 71.72 (Relatively Low), strong wind 91.00 (Relatively High) and tornado 92.27 (Relatively High). Expected hail loss is $14 per $1 million of buildings a year; NOAA logged 33 hail reports in Boone County from 2014 to June 2026.

FEMA National Risk Index, version December 2025, retrieved October 8, 2026. NOAA hail reports 2014 to June 2026.

Boone County: expected yearly loss per $1 million of buildings for hail, strong wind and tornado, on a log scale, against all U.S. counties and the counties of MO$0.1$1$10$100$1,000Hail: $14 per $1 million, 1,880th of 3,126 rated counties$14Hail1,880th of 3,126 countiesStrong wind: $8.54 per $1 million, 2,334th of 3,121 rated counties$8.54Strong wind2,334th of 3,121 countiesTornado: $259 per $1 million, 1,234th of 3,144 rated counties$259Tornado1,234th of 3,144 counties
  • Boone County, coloured by its FEMA rating
  • all U.S. counties
  • each county in the state
  • U.S. median
  • state median

Expected yearly loss per $1 million of buildings, log scale. Dot colour is FEMA’s rating band. The tornado lane counts everything exposed, not only buildings.

How FEMA rates Boone County

HazardRatingScore (0 to 100)Rank in U.S.Rank in MO
OverallRelatively Moderate 85.75449 of 3,1449 of 115
HailRelatively Low 71.72890 of 3,12621 of 115
Strong windRelatively High 91.00284 of 3,12612 of 115
TornadoRelatively High 92.27244 of 3,1269 of 115

Expected yearly loss, in dollars

HazardThis county, total a yearPer $1M of buildingsState median countyU.S. median countyRank per $1M, U.S.Rank per $1M, state
Hail$590,049$14 $52$22 1,880 of 3,126103 of 115
Strong wind$367,345$8.54 $40$20 2,334 of 3,121107 of 115
Tornado$11,131,278$259 $381$199 1,234 of 3,14491 of 115

Rank 1 is the highest. Overall, hail and wind losses count buildings; the tornado row counts everything FEMA exposes, so it overstates building damage. Expected annual loss is an average over many years for the whole county, not a forecast for one roof.

What stands out in Boone County

  • FEMA expects hail in Boone County to cost $14 per $1 million of buildings a year: 0.61 times the U.S. median and 0.27 times the MO county median, ranked 1,880th of 3,126 counties nationally and 103rd of 115 in Missouri.
  • FEMA expects strong wind in Boone County to cost $8.54 per $1 million of buildings a year: 0.42 times the U.S. median and 0.21 times the MO county median, ranked 2,334th of 3,121 counties nationally and 107th of 115 in Missouri.
  • FEMA expects tornado in Boone County to cost $259 per $1 million of buildings a year: 1.30 times the U.S. median and 0.68 times the MO county median, ranked 1,234th of 3,144 counties nationally and 91st of 115 in Missouri.
  • Applying FEMA's estimate to a $254,100 home, the average yearly loss in Boone County is about $3.49 for hail and $2.17 for wind before any deductible; at the U.S. median county rates it would be $5.68 and $5.18.
  • If the next years look like 2014 to 2025, a roof kept 20 years in Boone County meets about 30.0 hail days of 1 inch or more; the median county in NOAA's file (1,275 counties) would give 35.0.
  • Built in 1991, the median home in Boone County is 35 years old, so an original roof has outlived a 3-tab shingle (15 to 20 years) and an architectural one (25 to 30 years); 65.0% of its 80,912 homes are at least 26 years old.
  • March to June holds 27 of the 33 hail reports in Boone County (82 percent); the quietest month is January, with 0 reports.

What hail and wind cost a home here in an average year

Enter a home value. The calculator applies Boone County’s own loss rate: the county’s expected yearly loss divided by the value of its buildings. It starts at the Census median home value for the county.

$3.49hail, a year; $5.68 at the U.S. median county rate
$2.17strong wind, a year; $5.18 at the U.S. median county rate
$113hail and wind together over 20 years, at today’s rate

Formula: home value × Boone County yearly loss ÷ building value. Hail: $590,049 ÷ $42,994,076,016 = 0.0000137. Wind: $367,345 ÷ $42,994,076,016 = 0.0000085. This is FEMA’s estimate of average damage to buildings and does not account for your deductible. Tornado is left out because FEMA’s tornado loss counts people and other exposure, not only buildings.

Read this as a yardstick. The rate is an average over every building in the county, from sheds to office towers, and over many years. Real losses come in rare, large storms; a roof with no damage in 19 years can need full replacement in the 20th. The figure is not a quote and not a prediction for one address.

Boone County in plain numbers

  • Boone County scores 85.75 in FEMA's overall hazard index (Relatively Moderate): 449th of 3,144 rated counties and 9th of 115 in Missouri.
  • Hail scores 71.72 (Relatively Low). FEMA expects $590,049 of hail damage to buildings in Boone County a year, which is $14 per $1 million of buildings, 0.61 times the U.S. median.
  • Strong wind scores 91.00 (Relatively High) with $367,345 of expected yearly building loss in Boone County: $8.54 per $1 million of buildings, 0.42 times the U.S. median.
  • Tornado scores 92.27 (Relatively High) and FEMA's expected yearly tornado loss is $11,131,278, counting everything exposed, or $259 per $1 million of buildings in Boone County.
  • FEMA's own event record for Boone County averages 4.17 hail events and 3.39 strong-wind events a year.
  • NOAA logged 33 hail reports in Boone County between 2014 and June 2026, on 20 days with stones of 1 inch or more; the largest was 2.75 inches.
  • In Boone County, FEMA counts buildings worth 42.99 billion dollars and 183,385 residents.
  • Social vulnerability is Very Low in Boone County.
  • Community resilience there is Very High, for 183,385 residents.
  • 1 city in Boone County is covered on this site: Columbia. 11 Census ZIP areas have more than half of their land in the county.
  • Our guide range for a 2,000 sq ft asphalt roof in Columbia is $6,160 to $13,640.
  • Boone County ranks 119 of the 194 counties with a page here for hail loss per $1 million of buildings, 122 for wind and 78 for tornado.
  • In Boone County, March is the busiest month with 13 of the 33 reports (39 percent), against 1 report in September.
  • Boone County's worst year was 2014, with 3 hail days at 1 inch or more and 9 reports. At the 2014 to 2025 pace that is 1.50 such days a year, one about every 8.0 months.
  • The median home in Boone County was built in 1991; 34.0% of its 80,912 housing units date from before 1980, 65.0% from before 2000 and 16.2% from 2010 on.
  • Census puts the median home value in Boone County at $254,100, and 58.1% of homes are lived in by their owners.
  • 8,422 single-family building permits were issued in Boone County from 2014 to 2025, about 104.1 per 1,000 homes, peaking in 2016.
  • NOAA lists 4 tornado tracks in Boone County since 2014; the strongest was an EF1 on April 20, 2025 near Cou Cotton Mem Arpt, 3.31 miles long.
  • The fastest gust in NOAA's records for Boone County is 82 mph on May 18, 2026 at Columbia.
  • The nearest county with a page here is Cole County, 29 miles from the centre of Boone County; its hail score is 48.25.
  • Across counties the median is one roofing firm for every 5,189 homes; Census counted 10 roofing contractor establishments in Boone County in 2023, one for every 8,091 homes.
  • FEMA has named Boone County in 4 disaster declarations since 2014, the latest 1840 days before its data end, and 2 of them were storm-type.

The hail record of Boone County, year by year

NOAA logged 33 reports in Boone County; hail of 1 inch or more fell on 20 days. That is 1.5 such days a year; the median county in NOAA’s file has 1.8.

Boone County: NOAA hail reports per year, 2014 to June 2026, with the number of days that had hail of 1 inch or more02468102014: 9 reports, 3 days at 1 inch or more, largest 1.25 inch142015: 3 reports, 3 days at 1 inch or more, largest 1.75 inch152016: 3 reports, 2 days at 1 inch or more, largest 1 inch162017: 3 reports, 2 days at 1 inch or more, largest 1.75 inch172018: 1 reports, 0 days at 1 inch or more, largest 0.75 inch182019: 1 reports, 1 days at 1 inch or more, largest 1 inch192020: 2 reports, 2 days at 1 inch or more, largest 1 inch202021: 0 reports, 0 days at 1 inch or more, largest 0 inch212022: 0 reports, 0 days at 1 inch or more, largest 0 inch222023: 4 reports, 3 days at 1 inch or more, largest 2.75 inch232024: 2 reports, 1 days at 1 inch or more, largest 1.5 inch242025: 1 reports, 1 days at 1 inch or more, largest 1 inch252026: 4 reports, 2 days at 1 inch or more, largest 1 inch26*
  • reports
  • days with hail of 1 inch or more
  • * 2026 runs to June only
Boone County: NOAA hail reports by calendar month, 2014 to June 2026January: 0 reports0JanFebruary: 1 reports1FebMarch: 13 reports13MarApril: 9 reports9AprMay: 2 reports2MayJune: 3 reports3JunJuly: 3 reports3JulAugust: 0 reports0AugSeptember: 1 reports1SepOctober: 0 reports0OctNovember: 1 reports1NovDecember: 0 reports0Dec

Reports by calendar month, all years together. Peak: March, 13 reports.

The same numbers as a table (years with at least one report)
YearReportsDays, 1 inch or moreDays, 1.75 inch or moreLargest stoneDamage reported
20149301.25 in–
20153311.75 in–
20163201 in–
20173211.75 in–
20181000.75 in–
20191101 in–
20202201 in–
20234322.75 in–
20242101.5 in–
20251101 in–
2026 (to June)4201 in–

Biggest hail days in Boone County

DateLargest stoneReports that dayDamage reportedNear
April 4, 20232.75 in1none recordedHarrisburg
March 31, 20232 in2none recordedColumbia
March 6, 20171.75 in2none recordedColumbia
April 7, 20151.75 in1none recordedCou Cotton Mem Arpt
March 14, 20241.5 in2none recordedMc Baine

Where large hail was reported

FEMA scores the county as a whole. NOAA’s reports show where inside Boone County the big stones fell.

Reported hail locations, Boone County

1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1.25 in hail1.5 in hail1.5 in hail1.75 in hail1.75 in hail1.75 in hail2 in hail2.75 in hail Columbia
  • 211 to 1.74 in
  • 41.75 to 2.74 in, golf ball to tennis ball
  • 12.75 in and up, baseball

Largest plotted stone: 2.75 in. Bigger dots are bigger stones.

26 reports of 1 inch or larger have coordinates. Each dot is a reported location, not a storm path.

Sources: NOAA, Census county outline

Wind and tornado records for Boone County

Fastest gusts in Boone County

DateGustNear
May 18, 202682 mphColumbia
April 20, 202581 mphColumbia
April 20, 202581 mphColumbia
August 3, 202379 mphMc Baine

Strongest tornado tracks in Boone County

DateScaleLengthInjured / killedNear
April 20, 2025EF13.31 mi0 / 0Cou Cotton Mem Arpt
April 20, 2025EF12.31 mi0 / 0Stephens
April 17, 2026EF02.05 mi0 / 0Hartsburg
July 7, 2016EF00.34 mi0 / 0Harrisburg

4 tornado tracks in all since 2014; the strongest 4 are listed.

How old the roofs are

Census counts homes by the decade they were built. Under each bar is the number of hail days of 1 inch or more that an original roof from that decade has met, at Boone County’s 2014 to 2025 pace of 1.50 such days a year. Most roofs have been replaced since; the row shows what a roof that never was would have taken.

Boone County: share of homes by decade built, with the hail days at 1 inch or more that an original roof from each decade has met at the county's 2014 to 2025 ratepre-1940: 5.2% of homes5.2%<19401361940s: 2.2% of homes2.2%1940s1221950s: 4.1% of homes4.1%1950s1061960s: 9.5% of homes9.5%1960s921970s: 13.0% of homes13%1970s761980s: 13.6% of homes13.6%1980s621990s: 17.4% of homes17.4%1990s462000s: 18.8% of homes18.8%2000s322010s: 15.1% of homes15.1%2010s162020+: 1.1% of homes1.1%2020+4

Bars: share of 80,912 housing units by decade built. Figures under the decade: hail days met by an original roof, at the county’s 2014 to 2025 pace. The pace of earlier years is unknown.

Median year built1991
Built before 198034.0%
Built before 200065.0%
Built since 201016.2%
Owner-occupied58.1%
Median home value$254,100
Single-family permits, 2014 to 20258,422
Permits per 1,000 homes104.1

Asphalt shingles are rated 15 to 20 years (3-tab) and 25 to 30 years (architectural). Source: Census ACS 2019 to 2023 and Building Permits Survey.

Roofers and past disasters in Boone County

Roofing firms in Boone County

Roofing contractor establishments, 202310
Change since 2016+1 (+11%)
Homes per roofing firm8,091
Median across counties5,189
Employees, 2023104

Source for Boone County: Census County Business Patterns, NAICS 238160.

FEMA disaster declarations naming Boone County since 2014

Declarations naming Boone County4
Storm / flood / winter / fire2 / 2 / 0 / 0
Median MO county5
Rank among 70 MO counties44
Days from the latest to the data cutoff1,840

Source for Boone County: OpenFEMA, data to 2026-09-15.

Nearby counties

The closest counties that have a risk page, by distance between county centres. Loss is per $1 million of buildings; the columns marked "times here" divide the neighbour's loss by Boone County's.

CountyMilesOverallHail lossHail, times hereWind lossWind, times hereNOAA hail reports
Cole County, MO29 Relatively Low $161.16$232.7224
Greene County, MO129 Relatively Moderate $402.90$202.33194
Buchanan County, MO144 Relatively Low $825.94$212.4626
Jasper County, MO162 Relatively Moderate $674.89$242.79103
Cape Girardeau County, MO182 Relatively Moderate $382.77$384.4531

All 194 counties, with a filter by state and sorting

Cities and ZIP areas in Boone County

1 city in this county is on PickARoofer. ZIP Code Tabulation Areas are Census shapes that approximate ZIP codes; where we have a city’s ZIPs, the share is the part of each area’s land that lies in this county. 11 such areas have more than half their land here.

CityZIP areas (share of land in the county)Pages
Columbia 65201 (98%), 65203 (100%) Roofers

Storm hit your roof in Boone County? A free inspection tells you if there is damage. One local roofer answers, not five.

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Questions

How high is storm risk in Boone County?

FEMA's National Risk Index gives Boone County an overall score of 85.75 (Relatively Moderate), 449th of 3,144. Hail scores 71.72 (Relatively Low), strong wind 91.00 (Relatively High) and tornado 92.27 (Relatively High).

In Boone County, how many hail reports has NOAA logged?

A report is one entry for one storm in one county, so counts follow where people live as well as where hail fell. NOAA has 33 for Boone County between 2014 and June 2026, on 20 days with hail of 1 inch or more; the largest stone was 2.75 inches.

What do hail and wind cost a home in Boone County each year, on average?

Applying FEMA's county rates to its median home value of $254,100: FEMA's estimate is about $3.49 a year for hail and $2.17 for wind, before any deductible, against $5.68 and $5.18 at the U.S. median county rates. This is an average over many years and all buildings, not a prediction for one roof; one bad storm costs far more than the average year.

How does Boone County compare with the rest of Missouri?

Per $1 million of buildings Boone County loses $14 to hail a year, against $52 in the median county of the state. Among 115 rated counties it is 21st for hail, 12th for strong wind and 9th for tornado.

How old are the roofs in Boone County?

The median home was built in 1991, 35 years ago, and 65.0% of the 80,912 housing units in Boone County date from before 2000. Asphalt shingles are rated 15 to 20 years (3-tab) or 25 to 30 years (architectural), so an original roof of either kind is past its rated life. The Census does not record when a roof was replaced.

What does expected annual loss mean?

It is FEMA's estimate of the average yearly loss from a hazard, in dollars, summed over the county. It is built for comparing counties at planning level, not for pricing one house.

Does a high rating mean my roof will be damaged?

No. The index compares counties and cannot say what will happen on your street. After a storm, a roof inspection is the only way to know.

Sources for Boone County: FEMA National Risk Index, version December 2025, retrieved October 8, 2026; NOAA Storm Events Database hail reports for Boone County; Census Bureau ZCTA-to-county relationship file (2020); Census ACS and Building Permits Survey, homes in Boone County; Census County Business Patterns, roofing firms in Boone County; OpenFEMA, declarations naming Boone County. Planning-level information about Boone County, not an inspection and not insurance advice.

This product uses the Federal Emergency Management Agency's National Risk Index dataset but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).