445 flood insurance claims·$8.0M paid·7 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 Gasconade 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.
Flash flooding from summer thunderstorms dominates the flood risk profile in Gasconade County, supported by 23 flash flood events compared to 12 general flood events recorded over the last 30 years by the NOAA Storm Events Database. Recent examples include heavy rainfall events in July 2020, July 2023, and August 2023, which produced widespread rainfall rates of 3 to 7 inches and led to multiple reports of flash flooding across the area.
NFIP claim records indicate that property owners in high-risk Zone A face the heaviest concentration of risk, accounting for 381 historical claims with an average payout of $22,510 and an average recorded water depth of 13 inches. Residents and real estate professionals working with properties in Zone A, as well as those with lower claim counts in Zones X and unmapped areas, should pay the closest attention to local drainage and precipitation patterns.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
6% of Gasconade County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
404 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 12 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 1993, with 103 claims and $2.1M paid, the year of Severe Storms & 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 Gasconade County describe what happened, in the words of the forecasters who covered it. Read the Missouri flood stories →
20 federal disaster declarations since 1973, 7 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Storms, Tornadoes, And Flooding | Apr 29, 2019 |
| Severe Storms, Tornadoes, Straight-line Winds And Flooding | Apr 28, 2017 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Dec 23, 2015 |
| Flooding | Jun 1, 2011 |
| Severe Winter Storm | Jan 31, 2011 |
| Severe Winter Storm | Jan 26, 2009 |
| Severe Storms And Flooding | Mar 17, 2008 |
| Severe Winter Storms | Dec 8, 2007 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
35 since 1996: 23 flash floods and 12 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Jul 17, 2023 | — |
| Flash Flood | Aug 2, 2023 | — |
| Flash Flood | Jul 31, 2020 | — |
| Flash Flood | Jun 22, 2019 | — |
| Flood | May 1, 2017 | — |
| Flash Flood | Aug 2, 2016 | — |
| Flood | Jan 1, 2016 | — |
| Flood | Dec 27, 2015 | $160,000 |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · Jul 17, 2023. Storms developed just south of the I-70 corridor during the early morning hours of July 17th. With precipitable water values between 1.5 and 2.0 inches and the storms oriented in a west to east line, training caused heavy rainfall in some isolated areas with 1 to 3 inches (very localized 4 to 5 inches) of rain. So there were reports of flash flooding in a few locations.
Flash Flood · Aug 2, 2023. A swath of strong to severe storms with very heavy rainfall rates moved southeast across portions of northern and central Missouri during the early morning hours of August 2nd. There were several reports of flash flooding.
Flash Flood · Jul 31, 2020. An upper level low centered over Missouri moved slowly eastward with two lobes of vorticity that were pivoting around each other. The interaction of the two vort maxes produced two distinct areas of heavy rain, one over central/east central Missouri and another over south central and southeast Missouri. Very heavy rain fell in these areas, mainly between 3 and 4 inches of rain, though a few areas had around 6 to 7…
Flash Flood · Jun 22, 2019. An MCS dropped southeastward across the forecast area. Very heavy rain fell across the region and with the soil already saturated from previous rains, there were numerous reports of flash flooding in central Missouri.
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 Gasconade 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.