Natural hazards · Claycomo

Claycomo, MO natural hazards

Most of the natural-hazard damage FEMA expects in Claycomo comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 107 claims here since 1979.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Claycomo?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Claycomo to be higher than in 31% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding45%Tornadoes18%Cold waves18%Heat waves8%Hail8%Everything else3%

By hazard

What Claycomo faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

45% of expected damage

Below average · higher than 42% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

18% of expected damage

Well above average · higher than 85% of U.S. places

Cold waves

18% of expected damage

Above average · higher than 65% of U.S. places

Recorded about 3 times a year in the area

Heat waves

8% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 15 times a year in the area

Hail

8% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 9 times a year in the area

Lower here

Ice stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Claycomo flood?

Every paid claim on a federal flood insurance policy in Claycomo, from FEMA’s records.

107paid claims since 1979

$2.8Mpaid to owners

13homes flooded more than once

19792026

Biggest named events

Not a named storm: 22 claims, $285K
Mid-spring storms: 1 claim, $5K
Hurricane Ike: 1 claim, $15K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (4) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Claycomo isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Clay County.

Disasters that hit Claycomo

Federal disasters declared here

None of the disasters declared for Clay County shows FEMA aid or repair money reaching Claycomo itself in FEMA’s records.

Brought FEMA money into ClaycomoDeclared for Clay County only

Clay County has had 23 natural disasters declared since 1953, most often severe storms and floods.

Around Claycomo

Claycomo and the towns around it

Very lowLowModerateHighVery high

Kansas Citymostly inland floodingLow

Claycomomostly inland floodingLow

Libertymostly inland floodingLow

Pleasant Valleymostly cold wavesLow

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Claycomo is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Claycomo’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Claycomo. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.