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Platte County, MO flood insurance claims history

368 claims under the National Flood Insurance Program on file for flood losses in Platte County since 1978, with $13.0M paid. The worst year was 1993 with 113 claims. Platte County ranks #21 of 107 in Missouri by claim count.

What the Platte County record shows

30% of claims with a zone on file came from outside FEMA's high-risk zones, well above the 14% across Missouri.
29% of all claims trace to one event, Midwest Flooding (1993), which paid $8.5M here.
1993 alone produced 31% of the claims on file.
2016–2025 brought 42 claims, 26% fewer than 2006–2015 (57). Counts also move with how many buildings held a policy.
The average paid claim is $44K, above the Missouri average of $23K (nominal dollars).
ZIP codes 64484, 64152 and 64150 hold 51% of claims, out of 24 ZIP codes with any.
June through August accounts for 70% of losses.
Clay County has the most claims among its neighbors (799, against 368 here).

NFIP claims

368

1978–2026

Total paid

$13.0M

nominal dollars, not inflation-adjusted

Claims paid

80%

295 received a payment

Average payout

$44K

per paid claim

Last 10 years

claims 2017 – 2026

Most recent loss

2026-04-27

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: 113 claims in 1993

'80

'85

'90

'95

'00

'05

'10

'15

'20

'25

Biggest flood events in Platte County

Flood event (FEMA name)	Claims	Paid	Avg / claim	Year
Midwest Flooding	108	$8.5M	$79K	1993
Late spring storms	35	$1.7M	$48K	2011
Not a named storm	26	$174K	$7K	1982
Flooding (FEMA general label)	8	$408K	$51K	1990
Flooding (FEMA general label)	3	$148K	$49K	1984

49% of claims here fall under these 5 entries.How to read these labels.

Federal disaster declarations for Platte County

Platte County has been a designated area in 26 declarations since 1965, 23 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, 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
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
2007-12-12	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
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
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
1984-06-21	DR-713-MO major disaster	Flood	Severe Storms & Flooding	1984-06-06 → 1984-06-16	Individual 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
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 Platte County itself are listed. 15 of these 26 opened Individual Assistance here. What a declaration does and does not pay for.

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

High-risk A zones: 249 (68%)Coastal high-risk V zones: 0 (0%)Moderate / low-risk zones (B, C, X): 108 (29%)Zone not recorded: 11 (3%)

The most common zone on Platte County claims is Zone A1–A30 — 164 of 357 claims with a zone on file (46%). 70% 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	164	46%	$9.2M	$56K
Zone C · moderate / low risk	55	15%	$633K	$12K
Zone AE · high risk, insurance required	47	13%	$1.9M	$40K
Zone A · high risk, insurance required	36	10%	$819K	$23K
Zone B · moderate / low risk	36	10%	$371K	$10K
Zone X · moderate / low risk	17	5%	$68K	$4K
Zone AO · high risk, insurance required	2	1%	$22K	$11K

11 Platte 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	197	54%
Accumulation of rainfall or snowmelt	88	24%
Tidal water overflow (storm surge)	53	14%
Other causes	25	7%
Alluvial fan overflow	2	1%
Not recorded	2	1%

Flood claims by ZIP code in Platte County

25 ZIP codes with at least one claim FEMA assigned to Platte County.


64484	66	$3.1M	18%	5	2019
64152	61	$547K	17%	21	2026
64150	61	$7.1M	17%	5	2007
64079	49	$826K	13%	16	2019
64151	45	$288K	12%	15	2017
64098	24	$195K	7%	8	2011
64444	15	$68K	4%	9	1998
64118	14	$46K	4%	7	2026
64168	7	$12K	2%	3	1993
Not reported	5	$43K	1%	3	1993
64133	4	$27K	1%	3	1993
64153	2	$37K	1%	2	2011
64108	2	$22K	1%	2	1999
64131	2	$50K	1%	2	2007
64113	1	$10K	0%	1	1982
64117	1	$4K	0%	1	1982
64129	1	$400K	0%	1	1990
64114	1	$146K	0%	1	1984
64439	1	$1K	0%	1	1998
64028	1	$859	0%	1	1993
64089	1	$0	0%	1	2019
64161	1	$8K	0%	1	1982
64884	1	$10K	0%	1	1993
64092	1	$1K	0%	1	1998
64138	1	$11K	0%	1	1982

When does Platte County flood?

July accounts for the most flood losses (132 claims, 36%). Claims by month of loss:

Month	Claims	Share
January	2	1%
February	1	0%
March	19	5%
April	9	2%
May	38	10%
June	87	24%
July	132	36%
August	39	11%
September	14	4%
October	26	7%
November	1	0%
December	0	0%

Year-by-year detail

Year of loss	Claims	Paid
2026	2	$48K
2023	1	$2K
2019	31	$808K
2017	6	$69K
2016	4	$26K
2015	8	$64K
2014	1	$0
2013	1	$0
2011	35	$1.7M
2009	1	$0
2008	5	$123K
2007	5	$136K
2006	1	$53K
2002	2	$23K
2001	7	$49K
1999	3	$10K
1998	30	$277K
1996	3	$0
1993	113	$8.6M
1992	3	$0
1990	8	$408K
1989	2	$3K
1988	1	$0
1987	6	$31K
1985	3	$13K
1984	15	$270K
1983	1	$12K
1982	41	$217K
1981	7	$41K
1979	20	$58K
1978	2	$387

Neighboring counties

Neighbor	Claims	Paid	Outside high-risk
Platte County (this page)	368	$13.0M	30%
Clay County	799	$11.1M	43%
Buchanan County	623	$22.9M	21%
Clinton County	7	$67K	50%

All 107 Missouri counties → · County and ZIP rankings →

Common questions about flooding in Platte County

Has Platte County flooded recently?: The most recent flood loss with an insurance claim on file was on 2026-04-27, in FEMA data through 2026-09-08. Claims were filed in 4 of the 10 years to 2026 (40 claims).
Has Platte County had a FEMA disaster declaration?: Yes — Platte 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 Platte County in?: No single zone covers a whole county. Across 357 Platte County claims with a zone on file, the most common was Zone A1–A30 (46%), and 70% 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 29165, 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.