Enter any address in Stone County, Missouri to see its FEMA flood zone
Flash flooding from heavy rainfall events is the primary flood concern in Stone County, Missouri. Between April 4th and April 6th, 2025, widespread showers and thunderstorms produced up to 12 inches of rain in some areas, leading to significant flash flooding and river flooding. Another event on April 20th, 2025, also brought heavy rain from a strong storm system, contributing to minor to moderate river flooding due to runoff.
National Flood Insurance Program (NFIP) data indicates that properties in Zone A have experienced the most claims, with an average payout of $23,224 and an average water depth of 6.5 feet. However, properties in Zone X_UNSHADED have seen higher average payouts of $41,658, with an average water depth of 4.4 feet. Homeowners in or near flood-prone areas, particularly those in Zone A or areas with a history of flash flooding, should pay close attention to their flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
46 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Stone County, Missouri has recorded 131 flood-related events since 1996 according to NOAA's Storm Events Database, including 97 flash floods and 34 river or area floods. The county has received 24 federal disaster declarations, 4 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 |
|---|---|---|
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms, Tornadoes, Straight-line Winds And Flooding | Flood | Apr 28, 2017 |
| 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, Tornadoes, And Flooding | Severe Storm | Apr 19, 2011 |
| Severe Winter Storm | Severe Storm | Jan 31, 2011 |
| Severe Storms, Tornadoes, And Flooding | Severe Storm | May 8, 2009 |
| Severe Winter Storm | Severe Storm | Jan 26, 2009 |
| Severe Storms, Flooding, And A Tornado | Severe Storm | Sep 11, 2008 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | May 25, 2025 | 0.00K |
| Flash Flood | Apr 20, 2025 | 0.00K |
| Flood | Apr 4, 2025 | 0.00K |
| Flood | Mar 24, 2023 | 0.00K |
| Flash Flood | Mar 24, 2023 | 0.00K |
| Flash Flood | Mar 23, 2023 | 5.00K |
| Flash Flood | Mar 23, 2023 | 0.00K |
| Flash Flood | Aug 8, 2022 | 0.00K |
| Flood | May 5, 2022 | 0.00K |
| Flash Flood | Apr 28, 2021 | 0.00K |
Flash Flood — May 25, 2025
Several rounds of showers and thunderstorms occurred from Friday, May 23 through Tuesday, May 27, 2025. Total Rainfall amounts ranged between 2-5 inches, with localized amounts up to 8.6 inches.
Flash Flood — Apr 20, 2025
A strong storm system moved through the area on Sunday April 20th, 2025. This system brought tornadoes, damaging wind, large hail and heavy rain. The heavy rainfall led to flooding as the area had already received heavy rainfall from storms earlier in the week. Multiple area rivers reached minor to moderate flood stage due to heavy runoff.
Flood — Apr 4, 2025
Multiple rounds of showers and thunderstorms occurred across southern Missouri between April 4th and April 6th. The highest rainfall amounts occurred southeast of Springfield where pockets of 8-10 inches with localized amounts to 12 inches occurred. Significant flash flooding and minor to moderate river flooding occurred, especially across south central Missouri. Two flood fatalities occurred w...
Flood — Mar 24, 2023
The most impactful storm system to affect the region during the month of March began during the late afternoon and early evening of the 23rd as strong to severe thunderstorms trained along and north of a front that had stalled over northwest Arkansas and south central Missouri. While the storms produced sporadic wind damage and hail, rainfall accumulations exceeded three inches within a 6-hour ...
Flash Flood — Mar 24, 2023
The most impactful storm system to affect the region during the month of March began during the late afternoon and early evening of the 23rd as strong to severe thunderstorms trained along and north of a front that had stalled over northwest Arkansas and south central Missouri. While the storms produced sporadic wind damage and hail, rainfall accumulations exceeded three inches within a 6-hour ...
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 Stone 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 Stone 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.