FEMA flood zones · Missouri

Dade County, Missouri Flood Zone Map

3 federal flood & hurricane disasters

9% of Dade County’s area is in FEMA’s high-risk flood zones.

Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.

Coastal high risk (V, VE)FloodwayHigh risk (A, AE)Moderate (X, 500-year)Minimal (X)Undetermined (D)

Shaded areas are FEMA’s mapped flood hazard zones in and around Dade 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.

How Dade County floods

Flash flooding from summer thunderstorms dominates the flood profile of Dade County, Missouri. Over the last 30 years, NOAA records document 48 flash flood events resulting in one death, alongside 15 general flood events.

Recent weather patterns illustrate these localized and widespread risks. On June 29, 2025, early morning thunderstorms produced localized flash flooding, followed later in the day by a complex of storms bringing widespread damaging winds across the county. Earlier that month, a round of storms from late June 5 through June 6 caused damaging winds and a tornado, while additional rainfall on June 7 triggered flash flooding over saturated soils. A multi-day event from May 4 to May 6, 2022, brought widespread rainfall accumulations of two to five inches with isolated totals over six inches, driven by a stalled front and a strong upper-level low.

Homeowners, real estate agents, and journalists should pay the closest attention to properties situated in low-lying areas, near creeks and streams, and in locations prone to rapid water accumulation from saturated soils and heavy rainfall events.

Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.

In their words

19 NOAA storm reports from Dade County describe what happened, in the words of the forecasters who covered it. Read the Missouri flood stories →

Federal disasters

24 federal disaster declarations since 1973, 3 of them floods, coastal storms or hurricanes.

DisasterBegan
Severe Storms And FloodingMay 23, 2025
Severe Storms, Straight-line Winds, Tornadoes, And FloodingJul 29, 2023
Severe Storms, Tornadoes, And FloodingApr 29, 2019
Severe Storms, Tornadoes, Straight-line Winds And FloodingApr 28, 2017
Severe Storms, Tornadoes, Straight-line Winds, And FloodingDec 23, 2015
Severe Storms, Tornadoes, Straight-line Winds, And FloodingMay 15, 2015
Severe Storms, Straight-line Winds And FloodingAug 2, 2013
Severe Winter StormJan 31, 2011

Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.

Recorded flood events

63 since 1996: 48 flash floods and 15 river or area floods.

EventDateDamage
Flash FloodJun 29, 2025—
FloodJun 6, 2025—
FloodMay 5, 2022—
Flash FloodMay 5, 2022—
Flash FloodMay 5, 2022$10,000 · 1 killed
FloodMar 13, 2021—
FloodMar 19, 2020—
Flash FloodMar 19, 2020—

— = no damage estimate in the record. Source: NOAA Storm Events Database.

From the storm reports

Flash Flood · Jun 29, 2025. Thunderstorms occurred during the early morning hours across central Missouri, producing localized flash flooding. A larger complex of thunderstorms with severe winds moved through southwest Missouri during the afternoon and evening hours of June 29th, producing widespread damaging winds from Dade County, southeast into the Springfield metro area and then southeast into Taney County. Widespread power outages and d…

Flood · Jun 6, 2025. A round of showers and thunderstorms occurred during the late night hours of June 5th through the morning hours of June 6th. A line of thunderstorms moved into the area from the southwest and caused damaging winds and a tornado. Additional rainfall on June 7th caused flash flooding occurred due to saturated soils.

Flood · May 5, 2022. A stalled front from the storm a system on May 2-3 moved northward back into the Ozarks as a warm front as a strong upper level low over southern Colorado moved eastward into the southern Plains. This led to another several rounds of widespread heavy rainfall that occurred from the late morning of the 4th to the early morning of the 6th, when the surface low exited the area. Widespread accumulations of two to five…

Flash Flood · May 5, 2022. A stalled front from the storm a system on May 2-3 moved northward back into the Ozarks as a warm front as a strong upper level low over southern Colorado moved eastward into the southern Plains. This led to another several rounds of widespread heavy rainfall that occurred from the late morning of the 4th to the early morning of the 6th, when the surface low exited the area. Widespread accumulations of two to five…

National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.

The zones you’ll see on the map

Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.

Cross-section of a river floodplainDiagram: a river valley. The floodway is the channel and the land beside it; the 1%-annual-chance flood surface (the base flood elevation) covers the valley floor as zone A or AE; a narrow band higher up is shaded X, the 0.2% floodplain; higher ground is X.0.2% CHANCE A YEAR (500-YEAR)BASE FLOOD ELEVATION · 1% A YEARXAEFloodwayAEX
  1. A / AE Inside the 1%-a-year floodplain: about a 26% chance of flooding over a 30-year mortgage. AE has a mapped base flood elevation; plain A does not.
  2. Floodway The channel and the land beside it that has to be kept clear enough to carry the flood. Building here is tightly limited.
  3. X shaded The 0.2% (500-year) floodplain, plus some levee-protected and very shallow flood areas.
  4. X Outside both lines. No federal requirement to insure, which is not the same as no risk.

Every flood zone code explained →

Flood insurance in Dade County

If a building in Dade 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.