FEMA flood zones · Missouri

Mercer County, Missouri Flood Zone Map

2 federal flood & hurricane disasters

10% of Mercer County’s area is in FEMA’s high-risk flood zones, and another 2% in shaded X (mostly the 0.2% floodplain and areas behind levees).

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 Mercer 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.

In their words

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

Federal disasters

19 federal disaster declarations since 1973, 2 of them floods, coastal storms or hurricanes.

DisasterBegan
Severe Storms, Tornadoes, And FloodingApr 29, 2019
Severe Storms, Tornadoes, Straight-line Winds, And FloodingSep 9, 2014
Severe Winter StormJan 31, 2011
Severe Storms, Flooding, And TornadoesJun 12, 2010
Severe Winter StormJan 26, 2009
Severe Storms And FloodingJun 1, 2008
Severe Winter StormsDec 8, 2007
Severe Storms And FloodingMay 5, 2007

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

Recorded flood events

13 since 1996: 12 flash floods and 1 river or area floods.

EventDateDamage
Flash FloodAug 4, 2023—
Flash FloodJun 24, 2021—
Flash FloodMay 28, 2019—
Flash FloodAug 9, 2015—
FloodJun 3, 2014—
Flash FloodSep 21, 2010—
Flash FloodMay 15, 2009—
Flash FloodJul 24, 2008—

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

From the storm reports

Flash Flood · Aug 4, 2023. On the afternoon and evening of August 4th, severe storms developed over western Missouri and moved eastward into central Missouri. A supercell produced a 4.5 mile long EF0 tornado in rural Ray County near the community of Millville, with another supercell producing a 1.5 mile long EF0 near Malta Bend in Saline County. A few other wind damage and 60 mph wind gusts reports were received with these storms.

Flash Flood · Jun 24, 2021. Late in the afternoon, and through the evening hours on June 24 a cluster of storms over southeast Nebraska congealed into a line of thunderstorms that focused across northern Missouri. Most notably within this line of storms was a cluster of QLCS tornadoes that formed in Grundy County. There may have been other tornadoes associated with circulations that were noted on radar, but emergency management confirmed dam…

Flash Flood · May 28, 2019. Widespread severe weather moved through the region on May 28. One supercell produced several tornadoes, including the Lawrence to Linwood, Kansas tornado. This storm then went on to produce an EF-2 tornado in northeastern Clay County and did damage to portions of Kearney, Missouri. Earlier in the day, through the morning and early afternoon hours several storms moved through northern Missouri causing widespread fl…

Flash Flood · Aug 9, 2015. In a couple rounds of severe thunderstorms early morning storms did some wind damage in eastern Kansas and western Missouri. Later in the day more storms moved in causing some wind damage as well as some flash flooding.

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 Mercer County

If a building in Mercer 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.