Storms, floods and disasters in Mosby
Mosby isn’t graded for hazard risk: Mosby has 52 residents; we grade towns of 1,000 or more. Flood insurance has paid 67 claims here since 1981.
What Mosby 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 Mosby flood? Sometimes: 67 flood claims since 1981
Every paid claim on a federal flood insurance policy in Mosby, from FEMA’s records.
- The Midwest Flooding11 claims · $184K
- Hurricane Ike1 claim · $14K
Mosby 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.1 federal disaster brought FEMA money to Mosby
Disasters that paid out in Mosby itself (aid to households or repair grants to the City of Mosby), newest first, with that year’s flood claims.
- 2007Severe Storms and Flooding16 households applied for aid$36K aid approved15 flood claims paid that year
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 Mosby after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Mosby archive →Mosby and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Excelsior Springs | B−more damage than 55% | river and rain flooding | 84 |
| Kearney | C+more damage than 56% | river and rain flooding | — |
| Prathersville | — | 100 residents; we grade 1,000+ | |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Mosby 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 Mosby
Does Mosby flood?
Flood insurance has paid 67 claims in Mosby since 1981, $1.2M in all. 8 properties have flooded more than once. The most claims came from Midwest Flooding (11).
Is Mosby 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 Mosby?
FEMA’s Community Rating System list shows no discount for Mosby’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 Mosby?
By FEMA money that reached Mosby, Severe Storms and Flooding (2007): 16 households applied for aid, $36K approved. By flood claims, Midwest Flooding: 11 paid, $184K.
Storm stories
Memories, warnings and help from neighbors in Mosby.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Mosby’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.