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Ray County, MO flood insurance claims history

191 claims under the National Flood Insurance Program on file for flood losses in Ray County since 1978, with $2.2M paid. The worst year was 1993 with 136 claims. Ray County ranks #33 of 107 in Missouri by claim count.

What the Ray County record shows

20% of claims with a zone on file came from outside FEMA's high-risk zones.
69% of all claims trace to one event, Midwest Flooding (1993), which paid $1.6M here.
1993 alone produced 71% of the claims on file.
The average paid claim is $13K, below the Missouri average of $23K (nominal dollars).
ZIP codes 64035, 64077 and 64062 hold 86% of claims, out of 7 ZIP codes with any.
June through August accounts for 78% of losses.
Jackson County has the most claims among its neighbors (2,115, against 191 here).

NFIP claims

191

1978–2022

Total paid

$2.2M

nominal dollars, not inflation-adjusted

Claims paid

85%

162 received a payment

Average payout

$13K

per paid claim

Last 10 years

claims 2017 – 2026

Most recent loss

2022-05-31

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: 136 claims in 1993

'80

'85

'90

'95

'00

'05

'10

'15

'20

Biggest flood events in Ray County

Flood event (FEMA name)	Claims	Paid	Avg / claim	Year
Midwest Flooding	132	$1.6M	$12K	1993
Flooding (FEMA general label)	5	$101K	$20K	1995
Late spring storms	1	$30K	$30K	2011

72% of claims here fall under these 3 entries.How to read these labels.

Federal disaster declarations for Ray County

Ray County has been a designated area in 33 declarations since 1965, 29 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	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	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
2009-06-19	DR-1847-MO major disaster	Severe Storm	Severe Storms, Tornadoes, and Flooding	2009-05-08 → 2009-05-16	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
2008-11-13	DR-1809-MO major disaster	Severe Storm	Severe Storms, Flooding, and a Tornado	2008-09-11 → 2008-09-24	Public Assistance, Hazard Mitigation
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	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	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, Hazard Mitigation
2002-05-06	DR-1412-MO major disaster	Severe Storm	Severe Storms, Tornadoes and Flooding	2002-04-24 → 2002-06-10	Public Assistance
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
1995-06-02	DR-1054-MO major disaster	Severe Storm	Severe Storms, Tornadoes, Hail, Flooding	1995-05-13 → 1995-06-23	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
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 Ray County itself are listed. 13 of these 33 opened Individual Assistance here. What a declaration does and does not pay for.

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

High-risk A zones: 151 (79%)Coastal high-risk V zones: 0 (0%)Moderate / low-risk zones (B, C, X): 37 (19%)Zone not recorded: 3 (2%)

The most common zone on Ray County claims is Zone A1–A30 — 117 of 188 claims with a zone on file (62%). 80% 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	117	62%	$1.3M	$11K
Zone AE · high risk, insurance required	28	15%	$386K	$14K
Zone B · moderate / low risk	16	9%	$185K	$12K
Zone C · moderate / low risk	13	7%	$90K	$7K
Zone X · moderate / low risk	8	4%	$43K	$5K
Zone A · high risk, insurance required	6	3%	$87K	$15K

3 Ray 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	146	76%
Accumulation of rainfall or snowmelt	28	15%
Other causes	8	4%
Tidal water overflow (storm surge)	7	4%
Not recorded	2	1%

Flood claims by ZIP code in Ray County

8 ZIP codes with at least one claim FEMA assigned to Ray County.


64035	109	$935K	57%	8	2013
64077	44	$732K	23%	11	2022
64062	12	$106K	6%	9	2021
64036	10	$261K	5%	2	1995
64085	7	$47K	4%	2	1998
64017	5	$6K	3%	3	2015
Not reported	2	$9K	1%	1	1993
64084	2	$64K	1%	2	2021

When does Ray County flood?

July accounts for the most flood losses (124 claims, 65%). Claims by month of loss:

Month	Claims	Share
January	0	0%
February	0	0%
March	0	0%
April	2	1%
May	10	5%
June	14	7%
July	124	65%
August	11	6%
September	6	3%
October	23	12%
November	1	1%
December	0	0%

Year-by-year detail

Year of loss	Claims	Paid
2022	1	$0
2021	2	$74K
2020	2	$3K
2018	1	$0
2015	2	$7K
2013	1	$0
2011	1	$30K
2007	2	$37K
2005	3	$6K
2002	1	$2K
2001	1	$0
2000	1	$6K
1998	23	$152K
1996	3	$31K
1995	5	$101K
1993	136	$1.7M
1992	1	$0
1990	3	$30K
1985	1	$5K
1978	1	$2K

Neighboring counties

Neighbor	Claims	Paid	Outside high-risk
Ray County (this page)	191	$2.2M	20%
Jackson County	2,115	$45.7M	43%
Clay County	799	$11.1M	43%
Carroll County	179	$3.7M	7%
Lafayette County	18	$276K	18%
Clinton County	7	$67K	50%
Caldwell County	1	$271	0%

All 107 Missouri counties → · County and ZIP rankings →

Common questions about flooding in Ray County

Has Ray County flooded recently?: The most recent flood loss with an insurance claim on file was on 2022-05-31, in FEMA data through 2026-09-08. Claims were filed in 4 of the 10 years to 2026 (6 claims).
Has Ray County had a FEMA disaster declaration?: Yes — Ray County has been named a designated area in 33 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 Ray County in?: No single zone covers a whole county. Across 188 Ray County claims with a zone on file, the most common was Zone A1–A30 (62%), and 80% 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 29177, 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.