Missouri City Savings Bank Building and Meeting Hall · Photo: Dennis mccoy mo · CC BY-SA 3.0Storms, floods and disasters in Missouri City
Missouri City isn’t graded for hazard risk: Missouri City has 215 residents; we grade towns of 1,000 or more. Flood insurance has paid 7 claims here since 1993.
What Missouri City 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
Tornadoes
Hail
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 Missouri City flood? Rarely: 7 flood claims since 1993
Every paid claim on a federal flood insurance policy in Missouri City, from FEMA’s records.
- The Midwest Flooding4 claims · $55K
Missouri City isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Clay County.The storms Missouri City remembers
None of the 22 disasters declared for Clay County shows FEMA aid or repair money reaching Missouri City itself in FEMA’s records, so these are its biggest flood-claim years.
- 19934 flood claims paidThe year of Severe Storms and Flooding, declared for Clay County
- 19983 flood claims paidThe year of Severe Storms, Flooding and Tornadoes, declared for Clay County
Clay County has had 22 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 Missouri City after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Missouri City archive →Get ready for what Missouri City 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.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Missouri City
Does Missouri City flood?
Flood insurance has paid 7 claims in Missouri City since 1993, $67K in all. 1 properties have flooded more than once. The most claims came from Midwest Flooding (4).
Is Missouri City 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 Clay County, 27% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Missouri City?
FEMA’s Community Rating System list shows no discount for Missouri City’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 Missouri City?
By flood claims, Midwest Flooding: 4 paid, $55K.
Storm stories
Memories, warnings and help from neighbors in Missouri City.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Missouri City’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.