Enter any address in Laclede County, Missouri to see its FEMA flood zone
Flash flooding from heavy rainfall events is the dominant flood character in Laclede County. Between 2000 and 2020, NOAA Storm Events data recorded 109 flash flood events and 71 general flood events. A notable example occurred in April 2025, when multiple rounds of thunderstorms produced 8-10 inches of rain, with localized amounts reaching 12 inches, leading to significant flash flooding and minor to moderate river flooding across south central Missouri.
National Flood Insurance Program (NFIP) claims data shows that properties in Zone A experienced an average payout of $17,409 with an average water depth of 23.4 feet. Properties in Zone X, often considered moderate risk, had higher average payouts of $34,568 with an average water depth of 20.6 feet. Homeowners in areas designated as Zone A, as well as those in Zone X, should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
58 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Laclede County, Missouri has recorded 180 flood-related events since 1996 according to NOAA's Storm Events Database, including 109 flash floods and 71 river or area floods. The county has received 23 federal disaster declarations, 3 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1973–2020)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Severe Storm | May 3, 2020 |
| 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 | Flood | Dec 23, 2015 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Severe Storm | May 15, 2015 |
| Severe Storms, Straight-line Winds And Flooding | Severe Storm | Aug 2, 2013 |
| Severe Winter Storm | Severe Storm | Jan 31, 2011 |
| Severe Winter Storm And Snowstorm | Severe Storm | Jan 31, 2011 |
| Severe Storms, Tornadoes, And Flooding | Severe Storm | May 8, 2009 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Apr 19, 2025 | 0.00K |
| Flood | Jun 16, 2025 | 0.00K |
| Flash Flood | Jun 15, 2025 | 0.00K |
| Flood | Jun 6, 2025 | 0.00K |
| Flash Flood | Jun 4, 2025 | 0.00K |
| Flood | Apr 4, 2025 | 0.00K |
| Flash Flood | Apr 4, 2025 | 0.00K |
| Flood | Apr 26, 2024 | 0.00K |
| Flash Flood | Jun 9, 2024 | 0.00K |
| Flood | Mar 24, 2023 | 0.00K |
Flood — Apr 19, 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 16, 2025
A tropical like airmass allow for thunderstorms to produce very heavy rainfall across southern Missouri during the afternoon and evening of June 15th. Several roads were closed due to flooding.
Flash Flood — Jun 15, 2025
A tropical like airmass allow for thunderstorms to produce very heavy rainfall across southern Missouri during the afternoon and evening of June 15th. Several roads were closed due to flooding.
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.
Flash Flood — Jun 4, 2025
A very moist airmass led to the development of thunderstorms with heavy rainfall rates during the morning and afternoon of June 4th. Significant flash flooding occurred in and around the city of Marshfield. Additional heavy rainfall caused flooding into the evening and overnight hours with some areas picking up two day totals of 3-5 inches.
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 Laclede 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 Laclede 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.