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Jackson County, MO flood insurance claims history
2,115 claims under the National Flood Insurance Program on file for flood losses in Jackson County since 1978, with $45.7M paid. The worst year was 1982 with 442 claims. Jackson County ranks #5 of 107 in Missouri by claim count.
What the Jackson 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 21% of the claims on file.
- Claims were filed in 9 of the 10 years to 2026, so flooding here is regular rather than once in a generation.
- 2016–2025 brought 206 claims, 62% more than 2006–2015 (127). Counts also move with how many buildings held a policy.
- June through August accounts for 58% of losses.
- Jackson County has more claims than any of its 5 neighbors.
NFIP claims
2,115
1978–2026
Total paid
$45.7M
nominal dollars, not inflation-adjusted
Claims paid
79%
1,662 received a payment
Average payout
$28K
per paid claim
Last 10 years
191
claims 2017 – 2026
Most recent loss
2026-06-01
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: 442 claims in 1982
Biggest flood events in Jackson County
| Flood event (FEMA name) | Claims | Paid | Avg / claim | Year |
|---|---|---|---|---|
| Not a named storm | 392 | $3.5M | $9K | 1982 |
| Flooding (FEMA general label) | 205 | $8.9M | $43K | 1990 |
| Midwest Flooding | 184 | $5.2M | $28K | 1993 |
| Flooding (FEMA general label) | 106 | $1.9M | $18K | 1984 |
| Flooding (FEMA general label) | 80 | $1.1M | $13K | 1995 |
| Flooding (FEMA general label) | 9 | $8K | $900 | 1985 |
| Hurricane Ike | 3 | $653K | $218K | 2008 |
| Late spring storms | 3 | $56K | $19K | 2011 |
| Flooding (FEMA general label) | 3 | $11K | $4K | 1998 |
| Flooding (FEMA general label) | 2 | $777 | $389 | 1986 |
| Flooding (FEMA general label) | 1 | $0 | $0 | 1994 |
| March storm | 1 | $815 | $815 | 2008 |
47% of claims here fall under these 12 entries.How to read these labels.
Federal disaster declarations for Jackson County
Jackson County has been a designated area in 26 declarations since 1965, 22 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 |
| 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 |
| 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 |
| 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 |
| 1998-10-19 | DR-1256-MO major disaster | Severe Storm | Severe Storms and Flooding | 1998-07-10 → 1998-07-31 | Individual 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 |
| 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 |
| 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, Public 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 |
| 1973-04-19 | 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 Jackson County itself are listed. 17 of these 26 opened Individual Assistance here. What a declaration does and does not pay for.
Flood zones in Jackson County: which ones the claims came from
High-risk A zones: 1,181 (56%)Coastal high-risk V zones: 1 (0%)Moderate / low-risk zones (B, C, X): 893 (42%)Zone not recorded: 40 (2%)
The most common zone on Jackson County claims is Zone A1–A30 — 669 of 2,075 claims with a zone on file (32%). 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 | 669 | 32% | $16.3M | $24K |
| Zone C · moderate / low risk | 546 | 26% | $3.3M | $6K |
| Zone A · high risk, insurance required | 232 | 11% | $5.7M | $25K |
| Zone X · moderate / low risk | 195 | 9% | $3.1M | $16K |
| Zone AE · high risk, insurance required | 191 | 9% | $6.9M | $36K |
| Zone B · moderate / low risk | 152 | 7% | $2.1M | $14K |
| Zone AO (filed as AO, AOB) · high risk, insurance required | 69 | 3% | $6.8M | $99K |
| Zone AH (filed as AH, AHB) · high risk, insurance required | 20 | 1% | $764K | $38K |
| Zone V · high risk, insurance required | 1 | 0% | $0 | $0 |
40 Jackson 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 | 846 | 40% |
| Stream, river or lake overflow | 640 | 30% |
| Tidal water overflow (storm surge) | 513 | 24% |
| Other causes | 82 | 4% |
| Not recorded | 25 | 1% |
| Alluvial fan overflow | 5 | 0% |
Flood claims by ZIP code in Jackson County
63 ZIP codes with at least one claim FEMA assigned to Jackson County.
| 64130 | 261 | $5.0M | 12% | 27 | 2025 |
| 64129 | 187 | $3.7M | 9% | 20 | 2016 |
| 64052 | 184 | $1.5M | 9% | 22 | 2026 |
| 64108 | 138 | $11.2M | 7% | 20 | 2020 |
| 64114 | 136 | $5.1M | 6% | 19 | 2017 |
| 64133 | 106 | $484K | 5% | 20 | 2018 |
| 64112 | 104 | $632K | 5% | 18 | 2020 |
| 64126 | 74 | $4.4M | 3% | 8 | 1998 |
| 64120 | 69 | $693K | 3% | 24 | 2025 |
| 64138 | 61 | $292K | 3% | 20 | 2024 |
| 64055 | 48 | $252K | 2% | 15 | 2025 |
| 64113 | 48 | $189K | 2% | 14 | 2020 |
| 64030 | 47 | $721K | 2% | 15 | 2017 |
| 64050 | 45 | $361K | 2% | 13 | 2025 |
| 64053 | 44 | $322K | 2% | 9 | 2018 |
| 64066 | 36 | $949K | 2% | 10 | 2019 |
| 64081 | 35 | $593K | 2% | 14 | 2017 |
| 64131 | 34 | $200K | 2% | 16 | 2019 |
| 64134 | 30 | $66K | 1% | 10 | 1995 |
| 64132 | 27 | $1.9M | 1% | 11 | 2018 |
| 64086 | 26 | $227K | 1% | 11 | 2019 |
| 64075 | 26 | $303K | 1% | 9 | 2017 |
| 64119 | 25 | $214K | 1% | 9 | 2017 |
| 64054 | 21 | $250K | 1% | 12 | 2025 |
| 64057 | 21 | $84K | 1% | 6 | 2007 |
| 64015 | 18 | $190K | 1% | 8 | 2018 |
| Not reported | 18 | $180K | 1% | 5 | 1993 |
| 64127 | 18 | $634K | 1% | 5 | 1999 |
| 64063 | 16 | $213K | 1% | 7 | 2019 |
| 64016 | 16 | $137K | 1% | 9 | 2020 |
| 64110 | 15 | $81K | 1% | 8 | 2018 |
| 64145 | 15 | $166K | 1% | 6 | 2018 |
| 64058 | 14 | $118K | 1% | 9 | 2007 |
| 64101 | 12 | $684K | 1% | 5 | 2016 |
| 64056 | 12 | $184K | 1% | 5 | 2020 |
| 64136 | 11 | $80K | 1% | 5 | 2017 |
| 64029 | 11 | $62K | 1% | 7 | 2020 |
| 64111 | 11 | $1.1M | 1% | 7 | 1999 |
| 64128 | 10 | $10K | 0% | 7 | 2004 |
| 64014 | 9 | $71K | 0% | 8 | 2026 |
| 64137 | 9 | $74K | 0% | 5 | 2024 |
| 64146 | 7 | $256K | 0% | 3 | 2024 |
| 64105 | 7 | $227K | 0% | 5 | 1998 |
| 64064 | 7 | $45K | 0% | 7 | 2020 |
| 64102 | 6 | $989K | 0% | 4 | 2024 |
| 64118 | 6 | $87K | 0% | 5 | 1987 |
| 64109 | 4 | $1K | 0% | 3 | 1998 |
| 64088 | 4 | $191K | 0% | 3 | 2019 |
| 64106 | 3 | $6K | 0% | 2 | 1981 |
| 64168 | 3 | $82K | 0% | 3 | 1993 |
| 64082 | 3 | $4K | 0% | 3 | 2013 |
| 64139 | 3 | $23K | 0% | 2 | 2017 |
| 64034 | 2 | $55K | 0% | 2 | 2019 |
| 63044 | 2 | $11K | 0% | 1 | 1993 |
| 64179 | 2 | $4K | 0% | 1 | 1998 |
| 63430 | 1 | $36K | 0% | 1 | 1993 |
| 64199 | 1 | $916 | 0% | 1 | 1979 |
| 64150 | 1 | $81K | 0% | 1 | 1993 |
| 64080 | 1 | $2K | 0% | 1 | 1984 |
| 64151 | 1 | $23K | 0% | 1 | 1982 |
| 64116 | 1 | $27K | 0% | 1 | 1993 |
| 64061 | 1 | $0 | 0% | 1 | 2014 |
| 64123 | 1 | $2K | 0% | 1 | 1990 |
When does Jackson County flood?
August accounts for the most flood losses (516 claims, 24%). Claims by month of loss:
| Month | Claims | Share |
|---|---|---|
| January | 11 | 1% |
| February | 10 | 0% |
| March | 27 | 1% |
| April | 52 | 2% |
| May | 490 | 23% |
| June | 371 | 18% |
| July | 332 | 16% |
| August | 516 | 24% |
| September | 119 | 6% |
| October | 174 | 8% |
| November | 6 | 0% |
| December | 7 | 0% |
Year-by-year detail
| Year of loss | Claims | Paid |
|---|---|---|
| 2026 | 2 | $0 |
| 2025 | 16 | $599K |
| 2024 | 9 | $112K |
| 2023 | 1 | $59K |
| 2021 | 1 | $0 |
| 2020 | 11 | $88K |
| 2019 | 21 | $903K |
| 2018 | 24 | $1.1M |
| 2017 | 106 | $5.5M |
| 2016 | 17 | $860K |
| 2015 | 13 | $377K |
| 2014 | 4 | $6K |
| 2013 | 16 | $246K |
| 2012 | 4 | $3K |
| 2011 | 4 | $61K |
| 2010 | 33 | $1.2M |
| 2009 | 3 | $10K |
| 2008 | 22 | $1.5M |
| 2007 | 27 | $288K |
| 2006 | 1 | $109K |
| 2005 | 2 | $5K |
| 2004 | 68 | $346K |
| 2003 | 8 | $51K |
| 2002 | 17 | $65K |
| 2001 | 34 | $274K |
| 2000 | 2 | $9K |
| 1999 | 44 | $444K |
| 1998 | 195 | $8.2M |
| 1997 | 1 | $596 |
| 1996 | 1 | $0 |
| 1995 | 82 | $1.1M |
| 1994 | 13 | $238K |
| 1993 | 197 | $5.3M |
| 1992 | 5 | $37K |
| 1990 | 212 | $9.0M |
| 1989 | 8 | $17K |
| 1988 | 1 | $0 |
| 1987 | 7 | $46K |
| 1986 | 74 | $835K |
| 1985 | 22 | $11K |
| 1984 | 126 | $2.0M |
| 1983 | 76 | $732K |
| 1982 | 442 | $3.6M |
| 1981 | 59 | $127K |
| 1980 | 7 | $8K |
| 1979 | 70 | $228K |
| 1978 | 7 | $18K |
Neighboring counties
| Neighbor | Claims | Paid | Outside high-risk |
|---|---|---|---|
| Jackson County (this page) | 2,115 | $45.7M | 43% |
| Clay County | 799 | $11.1M | 43% |
| Cass County | 328 | $5.4M | 33% |
| Ray County | 191 | $2.2M | 20% |
| Johnson County | 44 | $307K | 64% |
| Lafayette County | 18 | $276K | 18% |
All 107 Missouri counties → · County and ZIP rankings →
Common questions about flooding in Jackson County
- Has Jackson County flooded recently?
- The most recent flood loss with an insurance claim on file was on 2026-06-01, in FEMA data through 2026-09-08. Claims were filed in 9 of the 10 years to 2026 (191 claims).
- Has Jackson County had a FEMA disaster declaration?
- Yes — Jackson County has been named a designated area in 26 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 Jackson County in?
- No single zone covers a whole county. Across 2,075 Jackson County claims with a zone on file, the most common was Zone A1–A30 (32%), 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 29095, 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.