206 flood insurance claims·$3.3M paid·6 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 Greene 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 heavy storms dominates the flood risk profile in Greene County, Missouri, accounting for 297 events and three deaths over the last 30 years compared to 74 standard flood events. This risk is exemplified by storms in July 2025, when persistent slow-moving thunderstorms produced between 3 and 6 inches of rain over a less than 6-hour period in eastern Greene County, with some locations receiving over an inch of rain in just 15 minutes.
National Flood Insurance Program records indicate that property damage occurs across multiple zones, with high claim activity and severity in designated high-risk areas as well as moderate-risk zones. Zone A leads with 91 claims, averaging a $29,937 payout and an average recorded water depth of 9 inches. Meanwhile, properties categorized under Zone X recorded 55 claims with an average payout of $18,337 and an average water depth of 15 inches, Zone X unshaded recorded 37 claims averaging $7,976 with a 12-inch average water depth, and Zone X shaded recorded 14 claims averaging $10,706 with a 3-inch average water depth. An additional 9 claims occurred in unknown zones, averaging $2,574 with no recorded water depth.
Homeowners, real estate agents, and journalists should pay the closest attention to properties located within Zone A, which experiences the highest number of claims and largest average payouts, as well as properties in Zone X designations where significant average water depths have been recorded during flood events.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
36% of Greene County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
142 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 11 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 2008, with 44 claims and $685,854 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.
108 NOAA storm reports from Greene County describe what happened, in the words of the forecasters who covered it. Read the Missouri flood stories →
26 federal disaster declarations since 1974, 6 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Apr 29, 2025 |
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Jul 29, 2023 |
| 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 |
| Severe Winter Storm | Jan 31, 2011 |
| Severe Storms, Tornadoes, And Flooding | May 8, 2009 |
| Severe Winter Storm | Jan 26, 2009 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
371 since 1996: 297 flash floods and 74 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | May 24, 2025 | — |
| Flash Flood | May 24, 2025 | $200,000 |
| Flood | Jul 15, 2025 | — |
| Flash Flood | Jul 6, 2025 | — |
| Flood | Jul 6, 2025 | — |
| Flash Flood | Apr 4, 2025 | — |
| Flood | Apr 26, 2024 | — |
| Flash Flood | Apr 25, 2024 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · May 24, 2025. Several rounds of showers and thunderstorms occurred from Friday, May 23 through Tuesday, May 27, 2025. Total Rainfall amounts ranged between 2-5 inches, with localized amounts up to 8.6 inches.
Flood · Jul 15, 2025. An isolated pulse thunderstorm moves slowly over portions o the Springfield metro causing flooding in the Fassnight Creek and Park areas. Rain in excess of an inch fell in a 15 minute period.
Flash Flood · Jul 6, 2025. With a moist airmass in place over the region, afternoon pulse thunderstorms developed across southwestern Missouri producing localized wind damage and flooding. Significant flooding occurred in eastern Greene County where between 3 and 6 inches of rain fall over a less than 6 hour period as persistent slow moving storms developed over the county. During the period, some locations saw in excess of an inch of rain…
Flood · Jul 6, 2025. With a moist airmass in place over the region, afternoon pulse thunderstorms developed across southwestern Missouri producing localized wind damage and flooding. Significant flooding occurred in eastern Greene County where between 3 and 6 inches of rain fall over a less than 6 hour period as persistent slow moving storms developed over the county. During the period, some locations saw in excess of an inch of rain…
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 Greene 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.