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Mokane, MissouriPhoto: TCP04 · CC BY 4.0
–Not graded
Natural hazards in Mokane · FEMA

Storms, floods and disasters in Mokane

Mokane isn’t graded for hazard risk: Mokane has 257 residents; we grade towns of 1,000 or more. Flood insurance has paid 38 claims here since 1981.

Flood claims
38
paid since 1981 · $252K
Flooded more than once
4
properties · 2 “severe repetitive loss”
Disasters paid out here
2
of 24 declared for its 2 counties
By hazard

What Mokane 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

85%of expected building damage
Well above average · higher than 82% of U.S. census tracts
Recorded about 2 times a year in the area
Smaller shares here
 Tornadoes Earthquakes Hail Ice storms Wildfire Winter storms top 4% Strong wind Landslides Lightning Hurricanes Cold waves Heat waves
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts heat waves at 13% of Mokane’s expected losses. Heat waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.

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 Mokane flood? Sometimes: 38 flood claims since 1981

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

Paid flood claims, by year
1981: 2 claims1982: 2 claims1983: 3 claims1984: 0 claims1985: 5 claims1986: 1 claim1987: 0 claims1988: 0 claims1989: 0 claims1990: 3 claims1991: 0 claims1992: 0 claims1993: 11 claims1994: 2 claims1995: 7 claims1996: 0 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 1 claim2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 1 claim2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims198519931995
19812026
Biggest named events
  • The Midwest Flooding7 claims · $82K
38
paid claims since 1981
$252K
paid to owners
4
homes flooded more than once
$7K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (2)Flooded 2+ times
of homes in flood zones are insured
of all homes are insured
No community discount

Mokane isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Callaway County.
What’s been done with FEMA grants
1storm safe room built
Disasters

2 federal disasters brought FEMA money to Mokane

Disasters that paid out in Mokane itself (aid to households or repair grants to the City of Mokane), newest first, with that year’s flood claims.

  1. 2021Severe Storms, Straight-line Winds, Tornadoes, and Flooding$12K to the City of Mokane for repairs
  2. 2019Severe Storms, Tornadoes, and Flooding6 households applied for aid$23K aid approved$68K to the City of Mokane for repairs1 flood claim paid that year
Disasters declared, by decade
Paid out in Mokaneits 2 counties only

Its 2 counties have had 24 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.

Were you here?

Old photos of Mokane after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Mokane archive →
Be ready

Get ready for what Mokane faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Mokane

Does Mokane flood?

Flood insurance has paid 38 claims in Mokane since 1981, $252K in all. 4 properties have flooded more than once. The most claims came from Midwest Flooding (7).

Is Mokane 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 Callaway County, 3% of homes in mapped flood zones carry federal flood insurance, and 0.1% of all homes do.

How much is flood insurance in Mokane?

FEMA’s Community Rating System list shows no discount for Mokane’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 Mokane?

By FEMA money that reached Mokane, Severe Storms, Tornadoes, and Flooding (2019): 6 households applied for aid, $23K approved, and $68K to the City of Mokane for repairs. By flood claims, Midwest Flooding: 7 paid, $82K.

Storm stories

Memories, warnings and help from neighbors in Mokane.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Mokane’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.