Enter any address in Clay County, Missouri to see its FEMA flood zone
Flash flooding and river flooding have both been significant in Clay County, MO over the past 30 years, with 66 flood events and 63 flash flood events recorded. Recent examples include minor flash flooding that caused brief road closures on May 28, 2020, and extensive Missouri River flooding that persisted for weeks into June 2019 due to heavy precipitation and snowmelt.
National Flood Insurance Program (NFIP) data shows that properties in Zone A have experienced the highest number of claims, with an average payout of $15,965 and an average water depth of 2.1 feet. Zone X_SHADED also shows a notable number of claims, with an average payout of $12,722 and an average water depth of 2.6 feet. Homeowners in areas designated as Zone A or Zone X_SHADED, as well as those located near rivers or in areas without a Base Flood Elevation (BFE), should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
24 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Clay County, Missouri has recorded 129 flood-related events since 1996 according to NOAA's Storm Events Database, including 63 flash floods and 66 river or area floods. The county has received 25 federal disaster declarations, 8 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1965–2020)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms, Tornadoes, And Flooding | Severe Storm | Apr 29, 2019 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Severe Storm | May 15, 2015 |
| Flooding | Flood | Jun 1, 2011 |
| Severe Winter Storm | Severe Storm | Jan 31, 2011 |
| Severe Winter Storm | Severe Ice Storm | Jan 26, 2009 |
| Severe Winter Storms | Severe Ice Storm | Dec 8, 2007 |
| Severe Storms And Flooding | Severe Storm | May 5, 2007 |
| Hurricane Katrina Evacuation | Hurricane | Aug 29, 2005 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | May 24, 2022 | 0.00K |
| Flood | Jun 25, 2021 | 0.00K |
| Flash Flood | May 28, 2020 | 0.00K |
| Flash Flood | May 28, 2019 | 0.00K |
| Flash Flood | Sep 27, 2019 | 0.00K |
| Flash Flood | May 24, 2019 | 0.00K |
| Flood | May 1, 2019 | 0.00K |
| Flood | Jun 1, 2019 | 0.00K |
| Flood | Apr 1, 2019 | 0.00K |
| Flash Flood | Oct 8, 2018 | 0.00K |
Flood — May 24, 2022
After some heavy rain Highway 69 in Mosby had several inches of water over the road.
Flood — Jun 25, 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 mana...
Flash Flood — May 28, 2020
On the morning of May 28 there was some minor flash flooding, causing some roads in the area to shut down briefly.
Flash 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 c...
Flash Flood — Sep 27, 2019
On the evening of September 27 several very strong storms produced very large hail up to tennis ball sized in and around the Kansas City metro. While it's certain there was some damage from this event the extent of the damage was relatively minimal.
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Clay County, Missouri:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Clay County, Missouri that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.