Enter any address in Platte County, Missouri to see its FEMA flood zone
River overflow along the Missouri River is a significant flood character for Platte County. Between 2000 and 2020, NOAA Storm Events data recorded 61 flood events and 50 flash flood events in the county. For example, in March 2019, heavy snowmelt and rain caused significant flooding along the Missouri River, impacting numerous locations. Later, in May and June 2019, consistent heavy rains continued to cause major flooding along the river, with some areas experiencing inundation for several weeks.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A, designated as high-risk flood areas, have experienced the most claims, with an average payout of $46,683 and an average water depth of 4.9 feet. While Zone X_UNSHADED and Zone X_SHADED also show claims, the payouts and water depths are considerably lower. Homeowners in Zone A, as well as those residing in proximity to the Missouri River, should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
22 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Platte County, Missouri has recorded 111 flood-related events since 1996 according to NOAA's Storm Events Database, including 50 flash floods and 61 river or area floods. The county has received 26 federal disaster declarations, 10 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1965–2020)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| 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, Straight-line Winds, And Flooding | Flood | Mar 11, 2019 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Severe Storm | May 15, 2015 |
| Flooding | Flood | Jun 1, 2011 |
| Severe Winter Storm | Severe Storm | Jan 31, 2011 |
| Severe Winter Storm And Snowstorm | Severe Storm | Jan 31, 2011 |
| Severe Winter Storm | Severe Ice Storm | Jan 26, 2009 |
| Severe Storms And Flooding | Severe Storm | Jun 1, 2008 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Apr 28, 2021 | 0.00K |
| Flood | May 21, 2019 | 0.00K |
| Flood | Mar 14, 2019 | 100.00K |
| Flood | May 1, 2019 | 0.00K |
| Flood | Jun 1, 2019 | 0.00K |
| Flood | Apr 1, 2019 | 0.00K |
| Flash Flood | Aug 22, 2017 | 0.00K |
| Flash Flood | Aug 21, 2017 | 0.00K |
| Flash Flood | Aug 5, 2017 | 0.00K |
| Flash Flood | May 26, 2016 | 0.00K |
Flash Flood — Apr 28, 2021
After heavy rain moved through the Kansas City Metro several local roadways were inundated with running water.
Flood — May 21, 2019
A line of generally sub-severe thunderstorms moved through the region during the early morning hours on May 21. These storms didn't produce any severe winds or hail, but as they moved east wake low winds produced damage consisting of several tree limbs down as well as power lines and power poles. The storms then went on to produce torrential rains which caused areas of flooding.
Flood — Mar 14, 2019
Several months of heavy snow across the Northern Plains set the stage for a significant and catastrophic flooding event when temperatures warmed and heavy rain fell across Nebraska and the Dakotas. While the more significant damage occurred across eastern Nebraska several counties along the Missouri River and Northern and Central Missouri also saw some significant impacts. Numerous locations al...
Flood — May 1, 2019
Heavy late winter and spring precipitation, mixed with a loaded snow pack caused the Missouri River to flood in March. Consistent heavy rains continued the Missouri River flooding into and through May. Some locations along the Missouri River were in major flood for several weeks as heavy rains continued.
Flood — Jun 1, 2019
Heavy late winter and spring precipitation, mixed with a loaded snow pack caused the Missouri River to flood in March. Consistent heavy rains continued the Missouri River flooding into and through June. Some locations along the Missouri River were in major flood for several weeks as heavy rains continued. While the flooding continued through June, there was some gradual and steady improvement a...
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 Platte 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 Platte 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.