Less hazard damage per building is expected in Raymore than in 62% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Raymore gets a B for hazard risk: lower expected damage per building than 62% of U.S. towns, #44 of 247 in Missouri. Most of that expected damage is river and rain flooding (65%), then tornadoes (17%). Flood insurance has paid 8 claims here since 1991.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Raymore 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.
What’s behind Raymore’s grade
River and rain flooding is 65% of the building damage FEMA expects in Raymore, and Raymore’s rate of river and rain flooding damage is lower than 58% of U.S. census tracts. Tornadoes add 17%, at a rate in the top 8% of U.S. census tracts.
B #44 of 247 in Missouri; lower expected damage per building than 62% of U.S. towns (21,298).
Raymore’s residents live in 5 census tracts; FEMA’s figures are combined by where they live.
The typical Missouri town has higher expected damage than 59% of U.S. towns; within the state, Raymore has less expected damage per building than 83% of Missouri towns.
In dollars, FEMA expects about $8.2M a year in losses across Raymore: $4.1M to buildings, the rest to people and crops.
Does Raymore flood? Rarely: 8 flood claims since 1991
Every paid claim on a federal flood insurance policy in Raymore, from FEMA’s records: 0.8 per 1,000 homes, fewer than 82% of the 13,809 U.S. towns with a flood insurance record.
Raymore isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Cass County.5 federal disasters brought FEMA money to Raymore
Disasters that paid out in Raymore itself (aid to households or repair grants to the City of Raymore), newest first, with that year’s flood claims.
- 2011Severe Winter Storm and Snowstorm$27K to the City of Raymore for repairs
- 2008Severe Storms and Flooding5 households applied for aid$17K aid approved
- 2007Severe Storms and Flooding$2K to the City of Raymore for repairs1 flood claim paid that year
- 2003Severe Storms, Tornadoes, and Flooding1 households applied for aid$1K aid approved
- 2002Severe Winter Ice Storm$161K to the City of Raymore for repairs
Cass County has had 17 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Raymore after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Raymore archive →Raymore and its neighbors
Raymore is 3rd of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Kansas City | B+less damage than 66% | river and rain flooding | 1,187 |
| Belton | Bless damage than 64% | river and rain flooding | 13 |
| Raymore | Bless damage than 62% | river and rain flooding | 8 |
| Peculiar | C+more damage than 58% | river and rain flooding | 44 |
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 Raymore 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 Raymore
Is Raymore at risk for natural disasters?
On FEMA’s National Risk Index, Raymore has lower expected damage per building than 62% of U.S. towns: B for hazard risk, #44 of 247 in Missouri. Most of the expected damage is river and rain flooding (65%) and tornadoes (17%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Raymore flood?
Flood insurance has paid 8 claims in Raymore since 1991, $66K in all, or 0.8 per 1,000 homes, fewer than 82% of U.S. towns with a flood insurance record. 1 properties have flooded more than once.
Is Raymore 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 Cass County, 28% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Raymore?
FEMA’s Community Rating System list shows no discount for Raymore’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 Raymore?
By FEMA money that reached Raymore, Severe Winter Ice Storm (2002): $161K to the City of Raymore for repairs.
Is Raymore at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (65%), and Raymore’s rate for it is lower than 58% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Raymore.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Raymore’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.