Natural Disaster Risk
Smithville, AR
2026 Risk Report · FEMA · NOAA · USGS
Risk Score Overview— Smithville
🌊 Flood Risk — Smithville
Smithville has a flood risk score of 71/100, classified as High. This score is derived from FEMA's National Flood Insurance Program (NFIP) claims data, flood zone designations, and NOAA precipitation records.
🌪️ Tornado Risk — Smithville
Tornado risk score: 65/100 — High. Based on NOAA Storm Events Database historical tornado tracks and frequency data.
⚡ Earthquake Risk — Smithville
Earthquake risk score: 40/100 — Low. Based on USGS National Seismic Hazard Model and historical seismic event data for this region.
🔥 Wildfire Risk — Smithville
Wildfire risk score: 32/100 — Low. Based on USDA Forest Service wildfire risk data and historical fire perimeter records.
💰 What This Means for Home Insurance in Smithville
Standard homeowners policies do not cover flood damage. Properties in FEMA flood zones may be required to purchase NFIP coverage. Flood insurance is strongly recommended in this area.
Earthquake damage is excluded from standard homeowners policies. A separate earthquake rider or policy is required.
Homeowners insurance typically covers wind and fire damage, but high-risk areas may see coverage restrictions or surcharges. Review your policy limits.
📍 Nearby Cities in Arkansas
❓ Frequently Asked Questions — Smithville
Is Smithville in a flood zone?
Smithville has a flood risk score of 71/100, classified as High. Check the FEMA Flood Map Service Center for specific parcel-level flood zone designations.
Does Smithville get tornadoes?
Smithville has a tornado risk score of 65/100. This area has experienced tornadoes historically and residents should have a preparedness plan.
What is the earthquake risk in Smithville?
Smithville has an earthquake risk score of 40/100 (Low), based on USGS seismic hazard assessments and historical earthquake data.
Is Smithville at risk for wildfires?
Smithville's wildfire risk score is 32/100 (Low), reflecting proximity to wildland-urban interface areas and historical fire perimeter data.
How does natural disaster risk affect home insurance in Smithville?
Areas with higher risk scores typically see higher home insurance premiums. Standard homeowners insurance does not cover floods — a separate NFIP or private flood policy is required. Earthquake damage also requires a separate rider or policy. Check with a local insurance agent for coverage recommendations specific to Smithville.