Flood Claims Map

Missouri

Flood insurance claims in Clay County, Missouri

FEMA records 799 National Flood Insurance Program claims in Clay County, Missouri, since 1978, with $11.1 million paid in total. The year with the most claims was 1982, with 207. As of 3 August 2026, 0.3% of homes here had an NFIP policy, and 26.6% of homes in the high-risk flood zone did.

NFIP claims on record799
Total paid$11.1 million
Claims with a payment668
Homes with NFIP policy0.3%
High-risk zone homes insured26.6%
Residential policies in force258

Claims by year of loss

1978: 419781979: 261980: 41981: 341982: 20719821983: 51984: 71985: 111986: 719861987: 11988: 11989: 151990: 1219901991: 11992: 251993: 721994: 219941995: 31996: 261997: 31998: 12319981999: 132000: 22001: 62002: 020022003: 02004: 122005: 02006: 120062007: 252008: 142009: 132010: 1220102011: 22012: 12013: 72014: 020142015: 392016: 92017: 262018: 020182019: 42020: 32021: 52022: 120222023: 02024: 02025: 12026: 142026207

NFIP claims by year of loss, Clay County, Missouri

1978: $6,70119781979: $103,8831980: $01981: $95,3801982: $1.7 million19821983: $17,7121984: $45,1831985: $50,2561986: $16,12219861987: $01988: $1,2201989: $144,7841990: $237,30419901991: $01992: $284,0141993: $1.7 million1994: $019941995: $34,8521996: $304,9131997: $5,3291998: $1.5 million19981999: $194,1032000: $20,7052001: $26,2452002: $020022003: $02004: $267,4322005: $02006: $3,11720062007: $698,9942008: $150,8262009: $125,8152010: $196,93620102011: $9,1422012: $02013: $82,1722014: $020142015: $1.2 million2016: $53,6732017: $814,2292018: $020182019: $28,2222020: $8982021: $542,1522022: $020222023: $02024: $02025: $02026: $430,0472026$1.7 million

Paid on claims by year of loss (building, contents and increased cost of compliance), Clay County, Missouri

Named flood events with the most claims

Event (FEMA name)Claims
Not a named storm191
Midwest Flooding65
Flooding8
Hurricane Ike5
Mid-spring storms1

ZIP codes with the most claims

ZIP code (as reported)Claims
64119157
64024157
64118149
6408991
6411776
6406836
6411636
6407333
6415521
640728

446 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $7.9 million, contents $3.2 million, increased cost of compliance $11,359.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone56014926.6%
All homes82,8602580.3%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.