Photo: TCP04 · CC BY 4.0Storms, floods and disasters in Gasconade
Gasconade isn’t graded for hazard risk: Gasconade has 306 residents; we grade towns of 1,000 or more. Flood insurance has paid 49 claims here since 1982.
What Gasconade faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
Does Gasconade flood? Sometimes: 49 flood claims since 1982
Every paid claim on a federal flood insurance policy in Gasconade, from FEMA’s records.
- The Midwest Flooding7 claims · $74K
- The Early winter storms5 claims · $93K
- The Late spring severe storms5 claims · $208K
Gasconade isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Gasconade County.2 federal disasters brought FEMA money to Gasconade
Disasters that paid out in Gasconade itself (aid to households or repair grants to the City of Gasconade), newest first, with that year’s flood claims.
- 2017Severe Storms, Tornadoes, Straight-line Winds and Flooding28 households applied for aid$112K aid approved$26K to the City of Gasconade for repairs5 flood claims paid that year
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding19 households applied for aid$39K aid approved$46K to the City of Gasconade for repairs5 flood claims paid that year
Gasconade County has had 17 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Gasconade after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Gasconade archive →Get ready for what Gasconade faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Gasconade
Does Gasconade flood?
Flood insurance has paid 49 claims in Gasconade since 1982, $587K in all. 4 properties have flooded more than once. The most claims came from Midwest Flooding (7).
Is Gasconade in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Gasconade County, 8% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Gasconade?
FEMA’s Community Rating System list shows no discount for Gasconade’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Gasconade?
By FEMA money that reached Gasconade, Severe Storms, Tornadoes, Straight-line Winds and Flooding (2017): 28 households applied for aid, $112K approved, and $26K to the City of Gasconade for repairs. By flood claims, Midwest Flooding: 7 paid, $74K.
Storm stories
Memories, warnings and help from neighbors in Gasconade.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Gasconade’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.