The risks posed by Missouri's weather and seismic activity are significant for construction projects. Tornadoes can cause catastrophic damage to partially built structures, while the New Madrid Seismic Zone increases the likelihood of earthquake-related losses in the southeast region. Unfinished buildings are especially vulnerable due to incomplete bracing and structural systems. These risks can lead to higher insurance costs and potential delays in project completion. Additionally, theft and vandalism on unattended job sites are common issues, further complicating construction efforts. Contractors and property owners must account for these factors when planning and insuring their projects.