Enter any address in Ralls County, Missouri to see its FEMA flood zone
Flash flooding from thunderstorms is the dominant flood character in Ralls County. Between 2000 and 2020, NOAA Storm Events data recorded 17 flash flood events and 15 flood events. For example, flash flooding occurred in June 2021 following an outflow boundary that triggered widespread storms, and heavy rain caused flash flooding in July 2020 due to slow-moving storm systems.
National Flood Insurance Program (NFIP) claims data shows that properties in Zone A experienced 22 claims with an average payout of $18,870 and an average water depth of 2.1 feet. Properties in Zone X had 8 claims averaging $27,805 and 2.4 feet of water, while Zone X_UNSHADED saw 7 claims averaging $14,529 and a significant 10.3 feet of water depth. Homeowners in areas designated as Zone A, Zone X, and particularly Zone X_UNSHADED, should pay close attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
3 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Ralls County, Missouri has recorded 32 flood-related events since 1996 according to NOAA's Storm Events Database, including 17 flash floods and 15 river or area floods. The county has received 26 federal disaster declarations, 6 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1973–2021)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Severe Storm | Jun 24, 2021 |
| 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 | Apr 28, 2017 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Flood | Dec 22, 2015 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Severe Storm | May 15, 2015 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Severe Storm | Sep 9, 2014 |
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Severe Storm | May 29, 2013 |
| Severe Winter Storm | Severe Storm | Jan 31, 2011 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Jun 3, 2025 | 0.00K |
| Flash Flood | Jun 19, 2021 | 0.00K |
| Flash Flood | May 24, 2020 | 0.00K |
| Flash Flood | Jul 3, 2020 | 0.00K |
| Flash Flood | Mar 26, 2018 | 0.00K |
| Flash Flood | May 30, 2013 | 0.00K |
| Flood | May 26, 2013 | 1.00K |
| Flood | Apr 12, 2013 | 1.00K |
| Flood | Jun 1, 2013 | 0.00K |
| Flash Flood | Jul 20, 2010 | 0.00K |
Flood — Jun 3, 2025
A QLCS moved into northeast and central Missouri during the late afternoon on June 3rd. This feature caused wind damage in aforementioned areas before weakening. Later that evening, flooding was reported in Ralls, Montgomery, and Callaway counties as thunderstorms continued to train over those areas.
Flash Flood — Jun 19, 2021
An outflow boundary from earlier convection moved southward through region, triggering widespread storms. Some of the storms became severe with numerous reports of large hail, damaging winds and flash flooding.
Flash Flood — May 24, 2020
As a weak low pressure system moved northeast through the region, some severe convection developed. Some of the storms produced damaging winds, large hail and flash flooding.
Flash Flood — Jul 3, 2020
A detached lobe of vorticity drifted slowly south/southwestward across the region. Weak forcing associated with it combined with ample low-level moisture allowed showers and storms to develop. Some of the storms produced heavy rain and flash flooding.
Flash Flood — Mar 26, 2018
As a cold front moved through the region, showers and storms developed ahead of it. Several storms produced large hail and heavy rain.
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 Ralls 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 Ralls 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.