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FEMA flood zones · Missouri

Worth County, Missouri Flood Zone Map

3 federal flood & hurricane disasters

13% of Worth County’s area is in FEMA’s high-risk flood zones.

Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.

Coastal high risk (V, VE)FloodwayHigh risk (A, AE)Moderate (X, 500-year)Minimal (X)Undetermined (D)

Shaded areas are FEMA’s mapped flood hazard zones in and around Worth 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.

Federal disasters

20 federal disaster declarations since 1973, 3 of them floods, coastal storms or hurricanes.

DisasterBegan
Severe Storms, Straight-line Winds, Tornadoes, And FloodingJul 29, 2023
Severe Storms, Tornadoes, Straight-line Winds, And FloodingMay 15, 2015
Severe Storms, Tornadoes, Straight-line Winds, And FloodingSep 9, 2014
Severe Winter StormJan 31, 2011
Severe Winter Storm And SnowstormJan 31, 2011
Severe Storms, Flooding, And TornadoesJun 12, 2010
Severe Winter StormJan 26, 2009
Severe Storms And FloodingJun 1, 2008

Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.

Recorded flood events

4 since 1996: 3 flash floods and 1 river or area floods.

EventDateDamage
Flash FloodJun 24, 2025—
Flash FloodJun 11, 2015—
FloodJul 24, 2008—

— = no damage estimate in the record. Source: NOAA Storm Events Database.

From the storm reports

Flash Flood · Jun 24, 2025. Storms bring damaging wind gusts, heavy rain, and flooding to portions of NW and north central Missouri.

Flash Flood · Jun 11, 2015. On the afternoon of June 11, 2015 several supercells formed in southeast Nebraska and trekked eastward into far northwestern Missouri. The lone tornado of the day formed in Atchison County Missouri, but was only brief. Otherwise, these storms mainly caused widespread areas of strong winds and some flash flooding.

Flood · Jul 24, 2008. An unusual late July weather pattern, set the stage for extreme rainfall amounts and major flooding across north central and northeast Missouri, on July 24th and 25th. Hot and humid air, continued to feed north across the eastern Plains into western Missouri. Meanwhile, a series of upper air disturbances had brought rainfall to the Mississippi Valley region and northeast Missouri, keeping temperatures much cooler.…

National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.

The zones you’ll see on the map

Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.

Cross-section of a river floodplainDiagram: a river valley. The floodway is the channel and the land beside it; the 1%-annual-chance flood surface (the base flood elevation) covers the valley floor as zone A or AE; a narrow band higher up is shaded X, the 0.2% floodplain; higher ground is X.0.2% CHANCE A YEAR (500-YEAR)BASE FLOOD ELEVATION · 1% A YEARXAEFloodwayAEX
  1. A / AE Inside the 1%-a-year floodplain: about a 26% chance of flooding over a 30-year mortgage. AE has a mapped base flood elevation; plain A does not.
  2. Floodway The channel and the land beside it that has to be kept clear enough to carry the flood. Building here is tightly limited.
  3. X shaded The 0.2% (500-year) floodplain, plus some levee-protected and very shallow flood areas.
  4. X Outside both lines. No federal requirement to insure, which is not the same as no risk.

Every flood zone code explained →

Flood insurance in Worth County

If a building in Worth 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.