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Atchison County, MO flood insurance claims history
146 claims under the National Flood Insurance Program on file for flood losses in Atchison County since 1982, with $5.0M paid. The worst year was 1993 with 53 claims. Atchison County ranks #39 of 107 in Missouri by claim count.
What the Atchison County record shows
- 5% of claims with a zone on file came from outside FEMA's high-risk zones.
- 36% of all claims trace to one event, Midwest Flooding (1993), which paid $483K here.
- Per claim, the costliest named event was Late spring storms (2011), averaging $44K across 47 claims.
- 1993 alone produced 36% of the claims on file.
- Claims came in just 1 of the 10 years to 2026.
- 2016–2025 brought 21 claims, 69% fewer than 2006–2015 (68). Counts also move with how many buildings held a policy.
- The average paid claim is $45K, above the Missouri average of $23K (nominal dollars).
- 23% of claims closed without a payment, against 15% statewide.
- ZIP codes 64446, 64482 and 64496 hold 84% of claims, out of 6 ZIP codes with any.
- May through July accounts for 83% of losses.
- Holt County has the most claims among its neighbors (1,254, against 146 here).
NFIP claims
146
1982–2019
Total paid
$5.0M
nominal dollars, not inflation-adjusted
Claims paid
77%
112 received a payment
Average payout
$45K
per paid claim
Last 10 years
21
claims 2017 – 2026
Most recent loss
2019-07-21
data as of 2026-09-08
Look up your ZIP code
Filter by ZIP, year or flood zone to see which floods the claims came from. For a street address, run the printable flood check.
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Flood claims by year
Peak: 53 claims in 1993
Biggest flood events in Atchison County
| Flood event (FEMA name) | Claims | Paid | Avg / claim | Year |
|---|---|---|---|---|
| Midwest Flooding | 53 | $483K | $9K | 1993 |
| Late spring storms | 47 | $2.0M | $44K | 2011 |
68% of claims here fall under these 2 entries.How to read these labels.
Federal disaster declarations for Atchison County
Atchison County has been a designated area in 23 declarations since 1965, 21 of them for flooding, storms or hurricanes. None since 2024 — the most recent was DR-4490-MO (2020-03-26).
| Declared | FEMA number | Incident | Declared for | Dates of the incident | Aid unlocked here |
|---|---|---|---|---|---|
| 2020-03-26 | DR-4490-MO major disaster | Biological | COVID-19 Pandemic | 2020-01-20 → 2023-05-11 | Individual Assistance, Public Assistance, Hazard Mitigation |
| 2020-03-13 | EM-3482-MO emergency | Biological | COVID-19 | 2020-01-20 → 2023-05-11 | Public Assistance |
| 2019-07-09 | DR-4451-MO major disaster | Severe Storm | Severe Storms, Tornadoes, and Flooding | 2019-04-29 → 2019-07-05 | Individual Assistance, Public Assistance, Hazard Mitigation |
| 2019-05-20 | DR-4435-MO major disaster | Flood | Severe Storms, Straight-Line Winds, and Flooding | 2019-03-11 → 2019-04-16 | Public Assistance, Hazard Mitigation |
| 2015-08-07 | DR-4238-MO major disaster | Severe Storm | Severe Storms, Tornadoes, Straight-Line Winds, and Flooding | 2015-05-15 → 2015-07-27 | Public Assistance, Hazard Mitigation |
| 2014-10-31 | DR-4200-MO major disaster | Severe Storm | Severe Storms, Tornadoes, Straight-Line Winds, and Flooding | 2014-09-09 → 2014-09-10 | Public Assistance, Hazard Mitigation |
| 2011-08-12 | DR-4012-MO major disaster | Flood | Flooding | 2011-06-01 → 2011-08-01 | Individual Assistance, Public Assistance, Hazard Mitigation |
| 2011-06-30 | EM-3325-MO emergency | Flood | Flooding | 2011-06-01 → 2011-08-01 | Public Assistance |
| 2011-02-03 | EM-3317-MO emergency | Severe Storm | Severe Winter Storm | 2011-01-31 → 2011-02-05 | Public Assistance |
| 2010-08-17 | DR-1934-MO major disaster | Severe Storm | Severe Storms, Flooding, and Tornadoes | 2010-06-12 → 2010-07-31 | Public Assistance, Hazard Mitigation |
| 2009-01-30 | EM-3303-MO emergency | Severe Ice Storm | Severe Winter Storm | 2009-01-26 → 2009-01-28 | Public Assistance |
| 2008-06-25 | DR-1773-MO major disaster | Severe Storm | Severe Storms and Flooding | 2008-06-01 → 2008-08-13 | Public Assistance, Hazard Mitigation |
| 2007-12-27 | DR-1736-MO major disaster | Severe Ice Storm | Severe Winter Storms | 2007-12-06 → 2007-12-15 | Public Assistance, Hazard Mitigation |
| 2007-12-12 | EM-3281-MO emergency | Severe Ice Storm | Severe Winter Storms | 2007-12-08 → 2007-12-15 | Public Assistance |
| 2007-06-11 | DR-1708-MO major disaster | Severe Storm | Severe Storms and Flooding | 2007-05-05 → 2007-05-18 | Individual Assistance, Public Assistance, Hazard Mitigation |
| 2005-09-10 | EM-3232-MO emergency | Hurricane | Hurricane Katrina Evacuation | 2005-08-29 → 2005-10-01 | Public Assistance |
| 1995-06-02 | DR-1054-MO major disaster | Severe Storm | Severe Storms, Tornadoes, Hail, Flooding | 1995-05-13 → 1995-06-23 | Individual Assistance, Public Assistance |
| 1993-07-09 | DR-995-MO major disaster | Flood | Severe Storms & Flooding | 1993-06-10 → 1993-10-25 | Individual Assistance, Public Assistance |
| 1984-06-21 | DR-713-MO major disaster | Flood | Severe Storms & Flooding | 1984-06-06 → 1984-06-16 | Public Assistance |
| 1974-06-10 | DR-439-MO major disaster | Flood | Severe Storms & Flooding | 1974-06-10 | Individual Assistance, Public Assistance |
| 1973-11-01 | DR-407-MO major disaster | Flood | Severe Storms & Flooding | 1973-11-01 | Individual Assistance, Public Assistance |
| 1973-04-19 | DR-372-MO major disaster | Severe Storm | Heavy Rains, Tornadoes & Flooding | 1973-04-19 | Individual Assistance, Public Assistance |
| 1965-07-27 | DR-203-MO major disaster | Flood | Severe Storms & Flooding | 1965-07-27 | Individual Assistance, Public Assistance |
OpenFEMA data through 2026-11-02; only declarations naming Atchison County itself are listed. 10 of these 23 opened Individual Assistance here. What a declaration does and does not pay for.
Flood zones in Atchison County: which ones the claims came from
High-risk A zones: 138 (95%)Coastal high-risk V zones: 0 (0%)Moderate / low-risk zones (B, C, X): 8 (5%)Zone not recorded: 0 (0%)
The most common zone on Atchison County claims is Zone A — 128 of 146 claims with a zone on file (88%). 95% were in a high-risk Special Flood Hazard Area.
| Flood zone at rating | Claims | Share | Paid | Avg / claim |
|---|---|---|---|---|
| Zone A · high risk, insurance required | 128 | 88% | $4.5M | $35K |
| Zone AE · high risk, insurance required | 9 | 6% | $312K | $35K |
| Zone C · moderate / low risk | 6 | 4% | $21K | $3K |
| Zone X · moderate / low risk | 2 | 1% | $152K | $76K |
| Zone A1–A30 · high risk, insurance required | 1 | 1% | $0 | $0 |
Which zones require flood insurance →
What caused the flooding
| Cause of damage (as coded by FEMA) | Claims | Share |
|---|---|---|
| Stream, river or lake overflow | 86 | 59% |
| Accumulation of rainfall or snowmelt | 55 | 38% |
| Other causes | 3 | 2% |
| Not recorded | 2 | 1% |
Flood claims by ZIP code in Atchison County
6 ZIP codes with at least one claim FEMA assigned to Atchison County.
| 64446 | 50 | $1.5M | 34% | 3 | 2019 |
| 64482 | 45 | $2.8M | 31% | 7 | 2019 |
| 64496 | 27 | $377K | 18% | 3 | 2019 |
| 64491 | 20 | $127K | 14% | 6 | 2015 |
| 64435 | 3 | $50K | 2% | 2 | 1993 |
| 64498 | 1 | $97K | 1% | 1 | 2011 |
When does Atchison County flood?
July accounts for the most flood losses (64 claims, 44%). Claims by month of loss:
| Month | Claims | Share |
|---|---|---|
| January | 0 | 0% |
| February | 0 | 0% |
| March | 19 | 13% |
| April | 0 | 0% |
| May | 7 | 5% |
| June | 50 | 34% |
| July | 64 | 44% |
| August | 4 | 3% |
| September | 2 | 1% |
| October | 0 | 0% |
| November | 0 | 0% |
| December | 0 | 0% |
Year-by-year detail
| Year of loss | Claims | Paid |
|---|---|---|
| 2019 | 21 | $2.3M |
| 2015 | 1 | $2K |
| 2014 | 1 | $1K |
| 2013 | 1 | $0 |
| 2011 | 47 | $2.0M |
| 2010 | 2 | $39K |
| 2008 | 12 | $63K |
| 2007 | 4 | $57K |
| 1993 | 53 | $483K |
| 1989 | 1 | $700 |
| 1987 | 2 | $6K |
| 1982 | 1 | $823 |
Neighboring counties
| Neighbor | Claims | Paid | Outside high-risk |
|---|---|---|---|
| Atchison County (this page) | 146 | $5.0M | 5% |
| Holt County | 1,254 | $39.3M | 0% |
| Nodaway County | 7 | $149K | 14% |
All 107 Missouri counties → · County and ZIP rankings →
Common questions about flooding in Atchison County
- Has Atchison County flooded recently?
- The most recent flood loss with an insurance claim on file was on 2019-07-21, in FEMA data through 2026-09-08. Claims were filed in 1 of the 10 years to 2026 (21 claims).
- Has Atchison County had a FEMA disaster declaration?
- Yes — Atchison County has been named a designated area in 23 federal disaster declarations since 1965. The most recent is COVID-19 Pandemic (DR-4490-MO, declared 2020-03-26), which opened Individual Assistance here. There have been none since 2024. See the full list with dates and aid programs →
- What flood zone is Atchison County in?
- No single zone covers a whole county. Across 146 Atchison County claims with a zone on file, the most common was Zone A (88%), and 95% were in a high-risk Special Flood Hazard Area. For one address, use the flood check.
Look up another place
Source: FEMA NFIP Redacted Claims, FIPS 29005, data as of 2026-09-08. Insured buildings only, never a specific property: see how to check a house and the limits of this data.