15 flood insurance claims·$309,713 paid·4 federal flood & hurricane disasters
Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.
Shaded areas are FEMA’s mapped flood hazard zones in and around Texas 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.
Flash flooding from heavy rainfall dominates the flood character of Texas County, accounting for 94 recorded events compared to 63 standard flood events over the last 30 years, which resulted in 1 death.
Recent weather events illustrate these risks. In April 2025, multiple rounds of showers and thunderstorms dropped 8 to 10 inches of rain—with localized amounts up to 12 inches—causing significant flash flooding and minor to moderate river flooding across south central Missouri. Additional flash flooding occurred from June 5th through June 7th, 2025, as saturated soils and subsequent thunderstorm activity produced further flooding.
NFIP claim records indicate that property owners in both mapped Special Flood Hazard Areas and moderate-to-low risk zones have experienced flood losses. Zone A recorded 7 claims with an average water depth of 4 inches and an average payout of $7,661. Meanwhile, Zone X shaded recorded 6 claims with an average water depth of 2 inches and a significantly higher average payout of $77,121. Zone X unshaded recorded 1 claim with an average water depth of 0 inches and an average payout of $39,674, while an unknown zone recorded 1 claim averaging 1 inch of water depth and an $8,032 payout. Homeowners, journalists, and real estate agents should note that properties in both high-risk riverine areas and shaded moderate-risk zones face financial loss and property inundation from heavy rainfall.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
In flood insurance claims here that reported a flood depth, the average was 3 inches.
Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.
Average of the depths reported on claims (zero and implausible values left out); FEMA’s record doesn’t say exactly where each depth was measured. Source: OpenFEMA NFIP claims.
The worst year was 1998, with 4 claims and $231,045 paid.
Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.
60 NOAA storm reports from Texas County describe what happened, in the words of the forecasters who covered it. Read the Missouri flood stories →
27 federal disaster declarations since 1976, 4 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Mar 30, 2025 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Nov 3, 2024 |
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | May 19, 2024 |
| Severe Storms, Tornadoes, And Flooding | Apr 29, 2019 |
| Severe Storms, Tornadoes, Straight-line Winds And Flooding | Apr 28, 2017 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Dec 23, 2015 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | May 15, 2015 |
| Severe Storms, Straight-line Winds And Flooding | Aug 2, 2013 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
157 since 1996: 94 flash floods and 63 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flood | Jun 30, 2025 | — |
| Flood | Jun 16, 2025 | — |
| Flash Flood | Jun 15, 2025 | — |
| Flash Flood | Jul 12, 2025 | — |
| Flood | Jun 6, 2025 | — |
| Flash Flood | Apr 5, 2025 | — |
| Flash Flood | Apr 4, 2025 | — |
| Flash Flood | May 26, 2024 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flood · Jun 30, 2025. Thunderstorms occurred during the early morning hours across central Missouri, producing localized flash flooding. A larger complex of thunderstorms with severe winds moved through southwest Missouri during the afternoon and evening hours of June 29th, producing widespread damaging winds from Dade County, southeast into the Springfield metro area and then southeast into Taney County. Widespread power outages and d…
Flood · Jun 16, 2025. A tropical like airmass allow for thunderstorms to produce very heavy rainfall across southern Missouri during the afternoon and evening of June 15th. Several roads were closed due to flooding.
Flash Flood · Jun 15, 2025. A tropical like airmass allow for thunderstorms to produce very heavy rainfall across southern Missouri during the afternoon and evening of June 15th. Several roads were closed due to flooding.
Flash Flood · Jul 12, 2025. A slow moving isolated thunderstorm produced flooding.
National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.
Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.
If a building in Texas 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.