175 flood insurance claims·$2.9M paid·5 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 Jasper 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 and heavy rainfall events from thunderstorms dominate the flood risk in Jasper County. Over the last 30 years, NOAA recorded 147 flash flood events resulting in one death, alongside 79 general flood events resulting in two deaths. Recent storms illustrate this hazard: in June 2025, rounds of heavy thunderstorms produced saturated soils and flash flooding following two-day rainfall totals of 3 to 5 inches. Later that year, in November 2025, clusters of thunderstorms dropped up to 2.56 inches of rain, resulting in flooded roadways in Joplin.
National Flood Insurance Program records indicate that flood impacts extend across multiple zones, with the highest volume of claims concentrated in high-risk areas. Zone A accounts for 100 claims with an average payout of $19,162 and an average recorded water depth of 6 inches. Meanwhile, properties outside designated high-risk flood zones also face risk; Zone X_UNSHADED recorded 31 claims averaging $12,683 with an average water depth of 2 inches, and Zone X recorded 24 claims averaging $48,965 with an average water depth of 2 inches. Homeowners and real estate agents in both designated high-risk zones and moderate-to-low risk zones should pay close attention to these historical claim patterns and local drainage conditions.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
28% of Jasper County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
139 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 4 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 2019, with 21 claims and $388,958 paid, the year of Severe Storms, Tornadoes, 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.
75 NOAA storm reports from Jasper County describe what happened, in the words of the forecasters who covered it. Read the Missouri flood stories →
22 federal disaster declarations since 1973, 5 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 |
| Severe Storms, Tornadoes, And Flooding | Apr 19, 2011 |
| Severe Winter Storm | Jan 31, 2011 |
| Severe Storms, Tornadoes, And Flooding | May 8, 2009 |
| Severe Winter Storm | Jan 26, 2009 |
| Severe Storms And Tornadoes | May 10, 2008 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
226 since 1996: 147 flash floods and 79 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flood | Nov 20, 2025 | — |
| Flood | Apr 20, 2025 | — |
| Flood | Jun 8, 2025 | — |
| Flood | Jun 7, 2025 | — |
| Flood | Jun 6, 2025 | — |
| Flood | Jun 5, 2025 | — |
| Flood | May 1, 2025 | — |
| Flash Flood | Apr 26, 2024 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flood · Nov 20, 2025. Scattered showers and thunderstorms developed in Kansas and Oklahoma behind a lifting warm front during the late evening hours of November 19 before pushing into southwest Missouri in the early morning of November 20. These clusters of storms produced heavy rainfall up to 2.56 inches, resulting in some flooded roadways in Joplin.
Flood · Apr 20, 2025. Slow moving storms produced heavy rainfall across portions of the Ozarks causing flooding of multiple low water areas. The initial storms that develop the evening of the 18th were able to take advantage at limited shear and instability to produce a brief EF0 tornado and localized wind damage.
Flood · Jun 8, 2025. Severe thunderstorms moved southeast across the Missouri Ozarks during the afternoon and evening of June 8th. Large hail and damaging winds occurred.
Flood · Jun 7, 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.
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 Jasper 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.