Enter any address in Ray County, Missouri to see its FEMA flood zone
Flash flooding from thunderstorms is a significant flood character in Ray County, MO. Between 1993 and 2023, NOAA Storm Events data recorded 37 flood events and 21 flash flood events, with one fatality attributed to flash flooding. For example, on June 25, 2021, a line of thunderstorms caused flash flooding across northern Missouri, impacting areas near Trenton and Laredo. Earlier, on June 1, 2019, heavy precipitation and snowmelt led to prolonged flooding along the Missouri River.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A, which has the highest number of claims (128), experienced an average water depth of 1.6 feet and an average payout of $12,332. Zone X_SHADED saw 11 claims with an average water depth of 1.2 feet and an average payout of $10,443. Properties in Zone X_UNSHADED had 10 claims with an average water depth of 0.4 feet and an average payout of $2,960. Homeowners in Zone A, near rivers, or in areas with lower flood protection levels should pay the most attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
8 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Ray County, Missouri has recorded 58 flood-related events since 1996 according to NOAA's Storm Events Database, including 21 flash floods and 37 river or area floods. The county has received 33 federal disaster declarations, 8 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1965–2021)
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, 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 Storms, Flooding, And Tornadoes | Severe Storm | Jun 12, 2010 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Jun 25, 2021 | 0.00K |
| Flash Flood | Jun 25, 2021 | 0.00K |
| Flood | May 1, 2019 | 0.00K |
| Flood | Jun 1, 2019 | 0.00K |
| Flood | Apr 1, 2019 | 0.00K |
| Flood | Sep 14, 2016 | 0.00K |
| Flash Flood | Jun 21, 2015 | 0.00K |
| Flash Flood | Jun 4, 2015 | 0.00K |
| Flash Flood | Jun 3, 2015 | 0.00K |
| Flash Flood | Oct 1, 2014 | 0.00K |
Flood — Jun 25, 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 mana...
Flash Flood — Jun 25, 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 mana...
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...
Flood — Apr 1, 2019
The flooding that began in mid March along the Missouri River continued through April and into May. Some areas experienced record flooding from this event, and several levees broke within the time span of this event.
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 Ray 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 Ray 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.