Menu

Flood insurance cost · Cass County, MO

Flood insurance cost in Cass County, Missouri

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 106 home policies in force on August 31, 2026.

Cass County, MissouriPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,218a year

Half of insured homes paid between $800 and $1,609. That is 10% more than the Missouri median ($1,103). The most common flood zone for insured homes here is zone X (43%).

$0$800 · $1,218 · $1,609$2,011
+4.8% vs Aug 31, 2025 (median $1,162)
106home policies in force
$1,455average cost (mean)
57%of insured homes in high-risk zones (A, V)
$216,500median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Cost by flood zone in Cass County

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone AE
High risk		$1,770$1,440–$2,576$2,15937 (35%)+14.6%
Zone A
High risk		$1,211$890–$1,472$1,24323 (22%)−4.2%
Zone X
Moderate to low risk		$784$714–$1,206$99546 (43%)−12.2%

Not shown (fewer than 10 home policies): VE, AO, AH, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Cass County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home93$1,273$1,551
2–4 unit building11$742$802
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		10$2,454$3,054

Not shown (fewer than 10 policies): manufactured (mobile) home, condo or apartment unit, whole residential building (5+ units or condo association).

116NFIP policies in force, any building
116insured units (condo association policies count every unit)
61%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Cass County

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force105106+1.0%
Median annual cost$1,162$1,218+4.8%
Average annual cost$1,378$1,455+5.6%
All policies in force (any building)120116−3.3%

How many homes have flood insurance?

0.3%of all homes in Cass County have an NFIP policy
28.4%of homes in high-risk zones (special flood hazard area) have one
39,576residential buildings counted by FEMA
211of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Cass County, Missouri have filed 328 flood claims. 266 received a payment, for a total of $5,420,849 (an average of $20,379 per paid claim). The year with the most claims was 2017 (54 claims). Amounts are in dollars of the time, not adjusted for inflation.

02040608019801982: 15 claims, 14 paid, $204,939 in total1984: 22 claims, 14 paid, $71,680 in total1986: 26 claims, 22 paid, $151,567 in total1990: 18 claims, 16 paid, $155,454 in total19901995: 16 claims, 12 paid, $85,540 in total1998: 29 claims, 26 paid, $265,603 in total199820002004: 30 claims, 26 paid, $500,509 in total20042008: 26 claims, 21 paid, $675,696 in total20102017: 54 claims, 48 paid, $1,555,563 in total20172019: 12 claims2020
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (10)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
201912<10––
20175448$1,555,563$32,408
20082621$675,696$32,176
20043026$500,509$19,250
19982926$265,603$10,216
19951612$85,540$7,128
19901816$155,454$9,716
19862622$151,567$6,889
19842214$71,680$5,120
19821514$204,939$14,638

From 2016 to 2026: 66 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Main NFIP communities in the county

Unincorporated Cass County (20 home policies) · Belton (19 home policies) · Raymore (17 home policies) · Peculiar (12 home policies)