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Natural hazards · Raytown

Raytown, MO natural hazards

Most of the natural-hazard damage FEMA expects in Raytown comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 95 claims here since 1978. 4 federal disasters brought FEMA money into town.

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

How exposed is Raytown?

23
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Raytown to be higher than in 23% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding31%Tornadoes30%Heat waves19%Hail9%Cold waves8%Everything else4%
By hazard

What Raytown faces

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

Inland flooding

31% of expected damage
Well below average · higher than 21% of U.S. places
Recorded about 4 times a year in the area

Tornadoes

30% of expected damage
Well above average · higher than 91% of U.S. places

Heat waves

19% of expected damage
Above average · higher than 63% of U.S. places
Recorded about 15 times a year in the area

Hail

9% of expected damage
Well above average · higher than 94% of U.S. places
Recorded about 9 times a year in the area

Cold waves

8% of expected damage
Well below average · higher than 24% of U.S. places
Recorded about 2 times a year in the area

Lower here

Ice stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesDroughtAvalanchesTsunamisVolcanic 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 Raytown flood?

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

95paid claims since 1978
$571Kpaid to owners
17homes flooded more than once
19782026

Biggest named events

  • Not a named storm: 23 claims, $183K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (3) ■ flooded 2+ times

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

4 federal disasters brought FEMA money here

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

Brought FEMA money into RaytownDeclared for Jackson County only
2019

Severe Storms, Tornadoes, and Flooding

9 households applied for aid $8K aid approved
2007

Severe Storms and Flooding

20 households applied for aid $47K aid approved
2004

Severe Storms, Tornadoes, and Flooding

117 households applied for aid $195K aid approved
2002

Severe Winter Ice Storm

$1.1M to the City of Raytown for repairs
Jackson County has had 24 natural disasters declared since 1953, most often severe storms and floods.
Around Raytown

Raytown and the towns around it

Kansas City: Low, mostly inland floodingIndependence: Moderate, mostly inland floodingLiberty: Low, mostly inland floodingClaycomo: 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 floodingRaytown: Low, mostly inland flooding RaytownKansas City
Very lowLowModerateHighVery high
Kansas Citymostly inland floodingLow
Raytownmostly 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. Raytown covers 8 census tracts, combined by population.
Money that reached townFlood claims are matched to Raytown’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Raytown. 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 Raytown total about $8.0M 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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