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Clay County, MO flood insurance claims history

799 claims under the National Flood Insurance Program on file for flood losses in Clay County since 1978, with $11.1M paid. The worst year was 1982 with 207 claims. Clay County ranks #11 of 107 in Missouri by claim count.

What the Clay County record shows

43% of claims with a zone on file came from outside FEMA's high-risk zones, well above the 14% across Missouri.
1982 alone produced 26% of the claims on file.
2016–2025 brought 49 claims, 57% fewer than 2006–2015 (114). Counts also move with how many buildings held a policy.
The average paid claim is $17K, below the Missouri average of $23K (nominal dollars).
ZIP codes 64119, 64024 and 64118 hold 58% of claims, out of 23 ZIP codes with any.
June through August accounts for 67% of losses.
Jackson County has the most claims among its neighbors (2,115, against 799 here).

NFIP claims

799

1978–2026

Total paid

$11.1M

nominal dollars, not inflation-adjusted

Claims paid

84%

668 received a payment

Average payout

$17K

per paid claim

Last 10 years

claims 2017 – 2026

Most recent loss

2026-06-11

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: 207 claims in 1982

'80

'85

'90

'95

'00

'05

'10

'15

'20

'25

Biggest flood events in Clay County

Flood event (FEMA name)	Claims	Paid	Avg / claim	Year
Not a named storm	191	$1.7M	$9K	1982
Midwest Flooding	65	$1.7M	$25K	1993
Hurricane Ike	5	$42K	$8K	2008
Flooding (FEMA general label)	4	$86K	$22K	1990
Flooding (FEMA general label)	2	$19K	$9K	1998
Mid-spring storms	1	$5K	$5K	2011
Flooding (FEMA general label)	1	$4K	$4K	1984
Flooding (FEMA general label)	1	$0	$0	1995

34% of claims here fall under these 8 entries.How to read these labels.

Federal disaster declarations for Clay County

Clay County has been a designated area in 25 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	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
2011-06-30	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
2009-01-30	EM-3303-MO emergency	Severe Ice Storm	Severe Winter Storm	2009-01-26 → 2009-01-28	Public Assistance
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, 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
1998-10-14	DR-1253-MO major disaster	Severe Storm	Severe Storms, Flooding and Tornadoes	1998-10-04 → 1998-10-11	Individual Assistance, Public Assistance, Hazard Mitigation
1994-04-21	DR-1023-MO major disaster	Severe Storm	Severe Storms, Tornadoes, Flooding	1994-04-09 → 1994-05-05	Individual Assistance
1993-07-09	DR-995-MO major disaster	Flood	Severe Storms & Flooding	1993-06-10 → 1993-10-25	Individual Assistance, Public Assistance
1990-05-24	DR-867-MO major disaster	Flood	Severe Storms & Flooding	1990-05-15 → 1990-05-31	Individual Assistance, Public Assistance
1982-08-26	DR-667-MO major disaster	Flood	Severe Storms & Flooding	1982-08-26	Individual Assistance
1977-09-14	DR-538-MO major disaster	Flood	Severe Storms & Flooding	1977-09-14	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
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 Clay County itself are listed. 16 of these 25 opened Individual Assistance here. What a declaration does and does not pay for.

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

High-risk A zones: 446 (56%)Coastal high-risk V zones: 0 (0%)Moderate / low-risk zones (B, C, X): 341 (43%)Zone not recorded: 12 (2%)

The most common zone on Clay County claims is Zone A1–A30 — 237 of 787 claims with a zone on file (30%). 57% 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	237	30%	$3.6M	$15K
Zone B · moderate / low risk	163	21%	$2.0M	$12K
Zone C · moderate / low risk	124	16%	$1.2M	$9K
Zone AE · high risk, insurance required	114	14%	$2.9M	$26K
Zone A · high risk, insurance required	95	12%	$599K	$6K
Zone X · moderate / low risk	54	7%	$856K	$16K

12 Clay 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
Accumulation of rainfall or snowmelt	298	37%
Stream, river or lake overflow	280	35%
Tidal water overflow (storm surge)	189	24%
Other causes	23	3%
Not recorded	7	1%
Alluvial fan overflow	1	0%

Flood claims by ZIP code in Clay County

24 ZIP codes with at least one claim FEMA assigned to Clay County.


64119	157	$3.2M	20%	23	2026
64024	157	$3.3M	20%	20	2025
64118	149	$943K	19%	27	2026
64089	91	$604K	11%	11	2017
64117	76	$615K	10%	21	2022
64068	36	$1.1M	5%	14	2019
64116	36	$198K	5%	18	2020
64073	33	$299K	4%	10	2015
64155	21	$86K	3%	12	2017
Not reported	9	$126K	1%	3	1993
64072	8	$60K	1%	3	2007
64161	5	$48K	1%	3	1998
64106	4	$334K	1%	2	1993
64060	3	$0	0%	3	2021
64048	3	$26K	0%	3	2016
64158	2	$29K	0%	2	2017
64168	2	$6K	0%	2	1982
64125	1	$80K	0%	1	1982
64157	1	$0	0%	1	2015
64151	1	$0	0%	1	1979
64077	1	$6K	0%	1	1993
64124	1	$5K	0%	1	1982
64101	1	$16K	0%	1	1982
64114	1	$25K	0%	1	2017

When does Clay County flood?

August accounts for the most flood losses (260 claims, 33%). Claims by month of loss:

Month	Claims	Share
January	4	1%
February	5	1%
March	3	0%
April	16	2%
May	97	12%
June	159	20%
July	118	15%
August	260	33%
September	43	5%
October	90	11%
November	3	0%
December	1	0%

Year-by-year detail

Year of loss	Claims	Paid
2026	14	$430K
2025	1	$0
2022	1	$0
2021	5	$542K
2020	3	$898
2019	4	$28K
2017	26	$814K
2016	9	$54K
2015	39	$1.2M
2013	7	$82K
2012	1	$0
2011	2	$9K
2010	12	$197K
2009	13	$126K
2008	14	$151K
2007	25	$699K
2006	1	$3K
2004	12	$267K
2001	6	$26K
2000	2	$21K
1999	13	$194K
1998	123	$1.5M
1997	3	$5K
1996	26	$305K
1995	3	$35K
1994	2	$0
1993	72	$1.7M
1992	25	$284K
1991	1	$0
1990	12	$237K
1989	15	$145K
1988	1	$1K
1987	1	$0
1986	7	$16K
1985	11	$50K
1984	7	$45K
1983	5	$18K
1982	207	$1.7M
1981	34	$95K
1980	4	$0
1979	26	$104K
1978	4	$7K

Neighboring counties

Neighbor	Claims	Paid	Outside high-risk
Clay County (this page)	799	$11.1M	43%
Jackson County	2,115	$45.7M	43%
Platte County	368	$13.0M	30%
Ray County	191	$2.2M	20%
Clinton County	7	$67K	50%

All 107 Missouri counties → · County and ZIP rankings →

Common questions about flooding in Clay County

Has Clay County flooded recently?: The most recent flood loss with an insurance claim on file was on 2026-06-11, in FEMA data through 2026-09-08. Claims were filed in 7 of the 10 years to 2026 (54 claims).
Has Clay County had a FEMA disaster declaration?: Yes — Clay County has been named a designated area in 25 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 Clay County in?: No single zone covers a whole county. Across 787 Clay County claims with a zone on file, the most common was Zone A1–A30 (30%), and 57% 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 29047, 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.