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Cass County, MO flood insurance claims history
328 claims under the National Flood Insurance Program on file for flood losses in Cass County since 1979, with $5.4M paid. The worst year was 2017 with 54 claims. Cass County ranks #22 of 107 in Missouri by claim count.
What the Cass County record shows
- 33% of claims with a zone on file came from outside FEMA's high-risk zones, well above the 14% across Missouri.
- Claims were filed in 8 of the 10 years to 2026, so flooding here is regular rather than once in a generation.
- 2016–2025 brought 81 claims, 56% more than 2006–2015 (52). Counts also move with how many buildings held a policy.
- ZIP codes 64080, 64078 and 64746 hold 59% of claims, out of 11 ZIP codes with any.
- May through July accounts for 59% of losses.
- Jackson County has the most claims among its neighbors (2,115, against 328 here).
NFIP claims
328
1979–2025
Total paid
$5.4M
nominal dollars, not inflation-adjusted
Claims paid
81%
266 received a payment
Average payout
$20K
per paid claim
Last 10 years
81
claims 2017 – 2026
Most recent loss
2025-07-25
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: 54 claims in 2017
Biggest flood events in Cass County
| Flood event (FEMA name) | Claims | Paid | Avg / claim | Year |
|---|---|---|---|---|
| Flooding (FEMA general label) | 19 | $72K | $4K | 1984 |
| Flooding (FEMA general label) | 16 | $86K | $5K | 1995 |
| Flooding (FEMA general label) | 16 | $148K | $9K | 1990 |
| Not a named storm | 10 | $76K | $8K | 1982 |
| Flooding (FEMA general label) | 7 | $15K | $2K | 1986 |
| Midwest Flooding | 6 | $22K | $4K | 1993 |
| Late spring storms | 1 | $3K | $3K | 2011 |
23% of claims here fall under these 7 entries.How to read these labels.
Federal disaster declarations for Cass County
Cass County has been a designated area in 21 declarations since 1973, 17 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 |
| 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 | Individual 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 | Public Assistance, Hazard Mitigation |
| 2006-03-16 | DR-1631-MO major disaster | Severe Storm | Severe Storms, Tornadoes and Flooding | 2006-03-08 → 2006-03-13 | 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, Public 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, Public Assistance, Hazard Mitigation |
| 1995-06-02 | DR-1054-MO major disaster | Severe Storm | Severe Storms, Tornadoes, Hail, Flooding | 1995-05-13 → 1995-06-23 | Individual Assistance |
| 1993-07-09 | DR-995-MO major disaster | Flood | Severe Storms & Flooding | 1993-06-10 → 1993-10-25 | Individual Assistance, Public Assistance |
| 1986-10-14 | DR-779-MO major disaster | Flood | Severe Storms & Flooding | 1986-09-18 → 1986-10-15 | Public Assistance |
| 1982-08-26 | DR-667-MO major disaster | Flood | Severe Storms & Flooding | 1982-08-26 | Individual Assistance, Public Assistance |
| 1977-05-07 | DR-535-MO major disaster | Tornado | Tornadoes & Flooding | 1977-05-07 | Individual Assistance, Public Assistance |
| 1976-09-24 | EM-3017-MO emergency | Drought | Drought | 1976-09-24 | Public Assistance |
| 1973-04-19 | DR-372-MO major disaster | Severe Storm | Heavy Rains, Tornadoes & Flooding | 1973-04-19 | Individual Assistance, Public Assistance |
OpenFEMA data through 2026-11-02; only declarations naming Cass County itself are listed. 11 of these 21 opened Individual Assistance here. What a declaration does and does not pay for.
Flood zones in Cass County: which ones the claims came from
High-risk A zones: 216 (66%)Coastal high-risk V zones: 0 (0%)Moderate / low-risk zones (B, C, X): 105 (32%)Zone not recorded: 7 (2%)
The most common zone on Cass County claims is Zone A — 111 of 321 claims with a zone on file (35%). 67% were in a high-risk Special Flood Hazard Area.
| Flood zone at rating | Claims | Share | Paid | Avg / claim |
|---|---|---|---|---|
| Zone A · high risk, insurance required | 111 | 35% | $1.7M | $15K |
| Zone X · moderate / low risk | 73 | 23% | $2.1M | $29K |
| Zone A1–A30 · high risk, insurance required | 53 | 17% | $560K | $11K |
| Zone AE · high risk, insurance required | 52 | 16% | $898K | $17K |
| Zone C · moderate / low risk | 23 | 7% | $87K | $4K |
| Zone B · moderate / low risk | 9 | 3% | $34K | $4K |
7 Cass 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 | 143 | 44% |
| Accumulation of rainfall or snowmelt | 120 | 37% |
| Tidal water overflow (storm surge) | 45 | 14% |
| Other causes | 13 | 4% |
| Not recorded | 6 | 2% |
| Earth movement or landslide | 1 | 0% |
Flood claims by ZIP code in Cass County
12 ZIP codes with at least one claim FEMA assigned to Cass County.
| 64080 | 74 | $376K | 23% | 13 | 2019 |
| 64078 | 60 | $1.1M | 18% | 19 | 2025 |
| 64746 | 58 | $1.1M | 18% | 12 | 2017 |
| 64012 | 50 | $764K | 15% | 18 | 2019 |
| 64701 | 39 | $1.3M | 12% | 10 | 2019 |
| 64083 | 13 | $97K | 4% | 11 | 2020 |
| 64743 | 11 | $198K | 3% | 7 | 2023 |
| 64034 | 10 | $242K | 3% | 5 | 2008 |
| Not reported | 6 | $53K | 2% | 5 | 1993 |
| 64064 | 3 | $86K | 1% | 3 | 2011 |
| 64063 | 2 | $0 | 1% | 1 | 1984 |
| 64747 | 2 | $95K | 1% | 2 | 2017 |
When does Cass County flood?
May accounts for the most flood losses (86 claims, 26%). Claims by month of loss:
| Month | Claims | Share |
|---|---|---|
| January | 1 | 0% |
| February | 0 | 0% |
| March | 9 | 3% |
| April | 8 | 2% |
| May | 86 | 26% |
| June | 65 | 20% |
| July | 44 | 13% |
| August | 39 | 12% |
| September | 43 | 13% |
| October | 26 | 8% |
| November | 7 | 2% |
| December | 0 | 0% |
Year-by-year detail
| Year of loss | Claims | Paid |
|---|---|---|
| 2025 | 3 | $158K |
| 2024 | 1 | $5K |
| 2023 | 1 | $13K |
| 2021 | 3 | $25K |
| 2020 | 1 | $0 |
| 2019 | 12 | $933K |
| 2018 | 6 | $140K |
| 2017 | 54 | $1.6M |
| 2014 | 2 | $1K |
| 2013 | 6 | $65K |
| 2012 | 3 | $20K |
| 2011 | 1 | $3K |
| 2010 | 8 | $55K |
| 2008 | 26 | $676K |
| 2007 | 6 | $133K |
| 2004 | 30 | $501K |
| 2002 | 6 | $4K |
| 2001 | 1 | $1K |
| 1999 | 6 | $29K |
| 1998 | 29 | $266K |
| 1997 | 1 | $0 |
| 1995 | 16 | $86K |
| 1993 | 8 | $27K |
| 1991 | 1 | $17K |
| 1990 | 18 | $155K |
| 1986 | 26 | $152K |
| 1985 | 8 | $19K |
| 1984 | 22 | $72K |
| 1983 | 4 | $100K |
| 1982 | 15 | $205K |
| 1981 | 3 | $2K |
| 1979 | 1 | $4K |
Neighboring counties
| Neighbor | Claims | Paid | Outside high-risk |
|---|---|---|---|
| Cass County (this page) | 328 | $5.4M | 33% |
| Jackson County | 2,115 | $45.7M | 43% |
| Johnson County | 44 | $307K | 64% |
| Bates County | 25 | $646K | 44% |
| Henry County | 1 | $8K | — |
All 107 Missouri counties → · County and ZIP rankings →
Common questions about flooding in Cass County
- Has Cass County flooded recently?
- The most recent flood loss with an insurance claim on file was on 2025-07-25, in FEMA data through 2026-09-08. Claims were filed in 8 of the 10 years to 2026 (81 claims).
- Has Cass County had a FEMA disaster declaration?
- Yes — Cass County has been named a designated area in 21 federal disaster declarations since 1973. 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 Cass County in?
- No single zone covers a whole county. Across 321 Cass County claims with a zone on file, the most common was Zone A (35%), and 67% 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 29037, 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.