146 flood insurance claims·$3.8M paid·9 federal flood & hurricane disasters
Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.
Shaded areas are FEMA’s mapped flood hazard zones in and around Andrew County, Missouri. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.
River flooding and flash flooding from storms equally define the flood risks in Andrew County, backed by 16 historical flood events and 15 flash flood events recorded over the last thirty years in the NOAA Storm Events Database.
Historical events illustrate these varying conditions. On July 15, 2020, moderate to heavy rain produced isolated minor flooding and road closures in Andrew County without reported damage. Earlier, on March 13, 2019, heavy rain and melting snow across the Northern Plains caused significant flooding impacts along the Missouri River.
Properties situated in FEMA Flood Zone A should pay the most attention, as this zone accounts for the vast majority of historical claims with 118 filings averaging $31,714 and an average recorded water depth of 11 inches. Additionally, properties in Zone X_UNSHADED warrant close attention due to higher average payouts of $36,782 and an average recorded water depth of 16 inches across 10 claims.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
8% of Andrew County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
128 NFIP claims with a recorded rated flood zone, 1978 to date. The zone is the one FEMA used to rate that policy, which may not match today’s map. Source: OpenFEMA NFIP claims.
In flood insurance claims here that reported a flood depth, the average was 10 inches.
Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.
Average of the depths reported on claims (zero and implausible values left out); FEMA’s record doesn’t say exactly where each depth was measured. Source: OpenFEMA NFIP claims.
The worst year was 2007, with 35 claims and $745,347 paid, the year of Severe Storms and Flooding.
Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.
7 NOAA storm reports from Andrew County describe what happened, in the words of the forecasters who covered it. Read the Missouri flood stories →
31 federal disaster declarations since 1965, 9 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Jun 24, 2021 |
| Severe Storms, Tornadoes, And Flooding | Apr 29, 2019 |
| Severe Storms, Straight-line Winds, And Flooding | Mar 11, 2019 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | May 15, 2015 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Sep 9, 2014 |
| Flooding | Jun 1, 2011 |
| Severe Winter Storm | Jan 31, 2011 |
| Severe Winter Storm And Snowstorm | Jan 31, 2011 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
31 since 1996: 15 flash floods and 16 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Jun 24, 2021 | — |
| Flash Flood | Jul 15, 2020 | — |
| Flood | Sep 29, 2019 | — |
| Flood | May 28, 2019 | — |
| Flood | Mar 13, 2019 | $100,000 |
| Flood | May 1, 2019 | — |
| Flood | Jun 1, 2019 | — |
| Flood | Apr 1, 2019 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · Jun 24, 2021. Late in the afternoon, and through the evening hours on June 24 a cluster of storms over southeast Nebraska congealed into a line of thunderstorms that focused across northern Missouri. Most notably within this line of storms was a cluster of QLCS tornadoes that formed in Grundy County. There may have been other tornadoes associated with circulations that were noted on radar, but emergency management confirmed dam…
Flash Flood · Jul 15, 2020. Moderate to heavy rain moved into the area causing some isolated minor flooding in Andrew and Macon Counties. Some isolated road closures resulted, but no damage was reported with this flooding.
Flood · Sep 29, 2019. Several areas had flash flooding after 3 to 5 inches of rain fell across the area. The worst of the flooding came from Harrisonville, where several business were inundated under several feet of water.
Flood · May 28, 2019. Widespread severe weather moved through the region on May 28. One supercell produced several tornadoes, including the Lawrence to Linwood, Kansas tornado. This storm then went on to produce an EF-2 tornado in northeastern Clay County and did damage to portions of Kearney, Missouri. Earlier in the day, through the morning and early afternoon hours several storms moved through northern Missouri causing widespread fl…
National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.
Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.
If a building in Andrew County is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.
Outside those zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Since Risk Rating 2.0, NFIP premiums are set for each building, so the only reliable price is a quote: FloodSmart.gov or a local agent.