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Flood insurance cost · Clay County, MO

Flood insurance cost in Clay County, Missouri

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 251 home policies in force on August 31, 2026.

Clay County, MissouriPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,215a year

Half of insured homes paid between $879 and $1,588. That is 10% more than the Missouri median ($1,103). The most common flood zone for insured homes here is zone AE (46%).

$0$879 · $1,215 · $1,588$1,985
+14.8% vs Aug 31, 2025 (median $1,058)
251home policies in force
$1,354average cost (mean)
58%of insured homes in high-risk zones (A, V)
$211,000median 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 Clay 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		$1,370$964–$1,930$1,572115 (46%)+7.6%
Zone AH
High risk, shallow		$1,740$1,411–$2,146$1,73629 (12%)+1.0%
Zone X
Moderate to low risk		$1,101$650–$1,270$1,013105 (42%)+14.0%

Not shown (fewer than 10 home policies): VE, A, AO, 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 Clay County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home236$1,240$1,359
2–4 unit building12$1,090$1,344
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		73$3,062$4,378

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

330NFIP policies in force, any building
330insured units (condo association policies count every unit)
67%of home policies also cover contents
$88,000median contents coverage, when bought

One year on: Clay 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 force269251−6.7%
Median annual cost$1,058$1,215+14.8%
Average annual cost$1,242$1,354+9.0%
All policies in force (any building)351330−6.0%

How many homes have flood insurance?

0.3%of all homes in Clay County have an NFIP policy
26.6%of homes in high-risk zones (special flood hazard area) have one
82,860residential buildings counted by FEMA
560of 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 Clay County, Missouri have filed 803 flood claims. 671 received a payment, for a total of $11.2 million (an average of $16,643 per paid claim). The year with the most claims was 1982 (208 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001979: 26 claims, 21 paid, $103,883 in total19801981: 34 claims, 31 paid, $95,380 in total1982: 208 claims, 189 paid, $1,749,413 in total19821985: 11 claims, 10 paid, $50,256 in total1989: 15 claims, 12 paid, $144,784 in total1990: 12 claims, 10 paid, $237,304 in total19901992: 26 claims, 21 paid, $285,525 in total1993: 74 claims, 60 paid, $1,734,941 in total19931996: 26 claims, 23 paid, $304,913 in total1998: 123 claims, 105 paid, $1,477,792 in total19981999: 13 claims, 11 paid, $194,103 in total20002004: 12 claims, 10 paid, $267,432 in total2007: 25 claims, 22 paid, $698,994 in total2008: 14 claims, 13 paid, $150,826 in total2009: 13 claims, 13 paid, $125,815 in total2010: 12 claims, 11 paid, $196,936 in total20102015: 39 claims, 29 paid, $1,211,727 in total2017: 26 claims, 25 paid, $814,229 in total20202026: 14 claims, 12 paid, $430,047 in total
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 (19)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20261412$430,047$35,837
20172625$814,229$32,569
20153929$1,211,727$41,784
20101211$196,936$17,903
20091313$125,815$9,678
20081413$150,826$11,602
20072522$698,994$31,772
20041210$267,432$26,743
19991311$194,103$17,646
1998123105$1,477,792$14,074
19962623$304,913$13,257
19937460$1,734,941$28,916
19922621$285,525$13,596
19901210$237,304$23,730
19891512$144,784$12,065
19851110$50,256$5,026
1982208189$1,749,413$9,256
19813431$95,380$3,077
19792621$103,883$4,947

From 2016 to 2026: 40 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

Kansas City (64 home policies) · North Kansas City (51 home policies) · Liberty (29 home policies) · Gladstone (25 home policies) · Smithville (20 home policies) · Unincorporated Clay County (15 home policies)