Missouri Faces Elevated Tornado and Earthquake Risks for Construction Projects
Missouri's construction projects face unique weather-related challenges due to the state's exposure to tornadoes and earthquakes. The southeast corner of Missouri lies within the New Madrid Seismic Zone, one of the most active earthquake zones east of the Rocky Mountains, while the entire state is vulnerable to tornadoes. Notably, an EF5 tornado struck Joplin, Missouri, on May 22, 2011, killing 158 people, making it the deadliest single U.S. tornado since 1950, according to the National Weather Service. Structures under construction, such as framed but unsheathed buildings, incomplete roof systems, and unsecured bracing, are particularly susceptible to wind damage and collapse during severe weather events. Builders risk insurance policies in Missouri are tailored to address these vulnerabilities, offering coverage for wind, hail, theft, vandalism, and earthquake-related damages.