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Buchanan County, MO flood insurance claims history

623 claims under the National Flood Insurance Program on file for flood losses in Buchanan County since 1978, with $22.9M paid. The worst year was 1993 with 135 claims. Buchanan County ranks #13 of 107 in Missouri by claim count.

What the Buchanan County record shows

21% of claims with a zone on file came from outside FEMA's high-risk zones.
21% of all claims trace to one event, Midwest Flooding (1993), which paid $3.1M here.
Per claim, the costliest named event was Late spring storms (2011), averaging $73K across 133 claims.
1993 alone produced 22% of the claims on file.
The average paid claim is $43K, above the Missouri average of $23K (nominal dollars).
ZIP codes 64484, 64504 and 64505 hold 79% of claims, out of 10 ZIP codes with any.
May through July accounts for 81% of losses.
Buchanan County has more claims than any of its 4 neighbors.

NFIP claims

623

1978–2026

Total paid

$22.9M

nominal dollars, not inflation-adjusted

Claims paid

85%

530 received a payment

Average payout

$43K

per paid claim

Last 10 years

150

claims 2017 – 2026

Most recent loss

2026-01-26

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: 135 claims in 1993

'80

'85

'90

'95

'00

'05

'10

'15

'20

'25

Biggest flood events in Buchanan County

Flood event (FEMA name)	Claims	Paid	Avg / claim	Year
Midwest Flooding	133	$3.1M	$23K	1993
Late spring storms	133	$9.7M	$73K	2011
Flooding (FEMA general label)	57	$773K	$14K	1984
Flooding (FEMA general label)	4	$11K	$3K	1986
Flooding (FEMA general label)	3	$8K	$3K	1995
Not a named storm	1	$0	$0	1982

53% of claims here fall under these 6 entries.How to read these labels.

Federal disaster declarations for Buchanan County

Buchanan County has been a designated area in 28 declarations since 1965, 25 of them for flooding, storms or hurricanes. None since 2024 — the most recent was DR-4612-MO (2021-09-01).

Declared	FEMA number	Incident	Declared for	Dates of the incident	Aid unlocked here
2021-09-01	DR-4612-MO major disaster	Severe Storm	Severe Storms, Straight-Line Winds, Tornadoes, and Flooding	2021-06-24 → 2021-07-01	Public Assistance, Hazard Mitigation
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
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
2011-03-23	DR-1961-MO major disaster	Severe Storm	Severe Winter Storm and Snowstorm	2011-01-31 → 2011-02-05	Public Assistance, Hazard Mitigation
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, Hazard Mitigation
2005-09-10	EM-3232-MO emergency	Hurricane	Hurricane Katrina Evacuation	2005-08-29 → 2005-10-01	Public Assistance
2004-06-11	DR-1524-MO major disaster	Severe Storm	Severe Storms, Tornadoes, and Flooding	2004-05-18 → 2004-05-31	Individual Assistance, Hazard Mitigation
2003-05-06	DR-1463-MO major disaster	Severe Storm	Severe Storms, Tornadoes, and Flooding	2003-05-04 → 2003-05-30	Individual Assistance, Hazard Mitigation
2002-02-06	DR-1403-MO major disaster	Severe Ice Storm	Severe Winter Ice Storm	2002-01-29 → 2002-02-13	Individual Assistance, Hazard Mitigation
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	Individual Assistance, Public Assistance
1977-09-14	DR-538-MO major disaster	Flood	Severe Storms & Flooding	1977-09-14	Individual Assistance, Public Assistance
1976-09-24	EM-3017-MO emergency	Drought	Drought	1976-09-24	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 Buchanan County itself are listed. 14 of these 28 opened Individual Assistance here. What a declaration does and does not pay for.

Flood zones in Buchanan County: which ones the claims came from

High-risk A zones: 471 (76%)Coastal high-risk V zones: 0 (0%)Moderate / low-risk zones (B, C, X): 126 (20%)Zone not recorded: 26 (4%)

The most common zone on Buchanan County claims is Zone A1–A30 — 396 of 606 claims with a zone on file (65%). 78% were in a high-risk Special Flood Hazard Area.

Flood zone at rating	Claims	Share	Paid	Avg / claim
Zone A1–A30 · high risk, insurance required	396	65%	$17.2M	$43K
Zone B · moderate / low risk	63	10%	$2.1M	$33K
Zone C · moderate / low risk	45	7%	$722K	$16K
Zone A · high risk, insurance required	41	7%	$962K	$23K
Zone AE · high risk, insurance required	22	4%	$882K	$40K
Zone X · moderate / low risk	18	3%	$559K	$31K
Zone AO · high risk, insurance required	12	2%	$94K	$8K
Zone D · not studied	9	1%	$302K	$34K

17 Buchanan County claims have no zone recorded and are left out of the shares above. Which zones require flood insurance →

What caused the flooding

Cause of damage (as coded by FEMA)	Claims	Share
Stream, river or lake overflow	306	49%
Accumulation of rainfall or snowmelt	178	29%
Tidal water overflow (storm surge)	96	15%
Other causes	36	6%
Not recorded	4	1%
Alluvial fan overflow	3	0%

Flood claims by ZIP code in Buchanan County

11 ZIP codes with at least one claim FEMA assigned to Buchanan County.


64484	318	$12.6M	51%	14	2021
64504	105	$2.9M	17%	17	2021
64505	68	$5.2M	11%	10	2024
64501	50	$963K	8%	17	2024
64503	25	$76K	4%	9	2019
64507	23	$250K	4%	14	2021
64506	15	$288K	2%	10	2026
64401	13	$529K	2%	4	2021
Not reported	4	$67K	1%	1	1984
60504	1	$46K	0%	1	2011
64502	1	$0	0%	1	2019

When does Buchanan County flood?

June accounts for the most flood losses (247 claims, 40%). Claims by month of loss:

Month	Claims	Share
January	2	0%
February	1	0%
March	74	12%
April	1	0%
May	77	12%
June	247	40%
July	181	29%
August	13	2%
September	18	3%
October	8	1%
November	0	0%
December	1	0%

Year-by-year detail

Year of loss	Claims	Paid
2026	1	$0
2024	2	$9K
2022	1	$6K
2021	9	$169K
2020	14	$946K
2019	122	$6.6M
2018	1	$0
2016	3	$19K
2015	4	$11K
2014	1	$3K
2012	1	$0
2011	133	$9.7M
2010	8	$50K
2009	1	$6K
2008	5	$25K
2007	18	$470K
2005	3	$20K
2003	1	$21K
2002	1	$0
2001	1	$0
2000	2	$0
1999	1	$0
1996	3	$3K
1995	3	$8K
1993	135	$3.1M
1992	7	$43K
1990	1	$0
1987	1	$0
1986	6	$11K
1984	111	$1.6M
1983	2	$5K
1982	9	$39K
1981	2	$5K
1980	1	$0
1979	8	$9K
1978	1	$14K

Neighboring counties

Neighbor	Claims	Paid	Outside high-risk
Buchanan County (this page)	623	$22.9M	21%
Platte County	368	$13.0M	30%
Andrew County	146	$4.0M	16%
Clinton County	7	$67K	50%
DeKalb County	6	$99K	33%

All 107 Missouri counties → · County and ZIP rankings →

Common questions about flooding in Buchanan County

Has Buchanan County flooded recently?: The most recent flood loss with an insurance claim on file was on 2026-01-26, in FEMA data through 2026-09-08. Claims were filed in 7 of the 10 years to 2026 (150 claims).
Has Buchanan County had a FEMA disaster declaration?: Yes — Buchanan County has been named a designated area in 28 federal disaster declarations since 1965. The most recent is Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (DR-4612-MO, declared 2021-09-01). There have been none since 2024. See the full list with dates and aid programs →
What flood zone is Buchanan County in?: No single zone covers a whole county. Across 606 Buchanan County claims with a zone on file, the most common was Zone A1–A30 (65%), and 78% 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 29021, 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.