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Natural hazards · Platte

Platte, MO natural hazards

Most of the natural-hazard damage FEMA expects in Platte comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 11 claims here since 1979. 4 federal disasters brought FEMA money into town.

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

How exposed is Platte?

46
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Platte to be higher than in 46% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding42%Tornadoes20%Cold waves13%Heat waves10%Hail5%Everything else10%
By hazard

What Platte faces

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

Inland flooding

42% of expected damage
Above average · higher than 56% of U.S. places
Recorded about 3 times a year in the area

Tornadoes

20% of expected damage
Well above average · higher than 92% of U.S. places

Cold waves

13% of expected damage
Above average · higher than 66% of U.S. places
Recorded about 3 times a year in the area

Heat waves

10% of expected damage
Well above average · higher than 96% of U.S. places
Recorded about 15 times a year in the area

Hail

5% of expected damage
Well above average · higher than 90% 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 Platte flood?

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

11paid claims since 1979
$104Kpaid to owners
1homes flooded more than once
19792026

Biggest named events

  • Not a named storm: 1 claim, $4K
  • Midwest Flooding: 1 claim, $25K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Platte isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Platte County.
Disasters that hit Platte

4 federal disasters brought FEMA money here

Disasters the President declared that paid out in Platte itself: aid to households, or repair grants to the City of Platte.

Brought FEMA money into PlatteDeclared for Platte County only
2019

Severe Storms, Tornadoes, and Flooding

1 household applied for aid
2011

Flooding

1 household applied for aid
2007

Severe Storms and Flooding

3 households applied for aid $12K aid approved
2003

Severe Storms, Tornadoes, and Flooding

11 households applied for aid $1K aid approved
Platte County has had 22 natural disasters declared since 1953, most often floods and severe storms.
Around Platte

Platte and the towns around it

Kansas City: Low, mostly inland floodingIndependence: Moderate, mostly inland floodingLiberty: Low, mostly inland floodingClaycomo: Low, mostly inland floodingRaytown: Low, mostly inland floodingUnity Village: Low, mostly inland floodingKansas City: Low, mostly inland floodingBelton: Low, mostly inland floodingLee's Summit: Low, mostly inland floodingSugar Creek: Low, mostly inland floodingGrandview: Moderate, mostly inland floodingRiverside: Moderate, mostly inland floodingBlue Summit: Moderate, mostly inland floodingPlatte City: Moderate, mostly inland flooding Platte CityKansas City
Very lowLowModerateHighVery high
Platte Citymostly inland floodingModerate
Kansas Citymostly inland floodingLow
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. Platte covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Platte’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Platte. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Platte total about $1.5M a year, counting buildings, people and crops.

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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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