Photo: w:en:Americasroof · CC BY-SA 3.0FEMA expects less hazard damage per building in Weatherby Lake than in 71% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Weatherby Lake gets a B+ for hazard risk: lower expected damage per building than 71% of U.S. towns. Most of that expected damage is river and rain flooding (64%), then tornadoes (19%). Flood insurance has paid 2 claims here since 1979.
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 Weatherby Lake 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 Weatherby Lake’s grade
River and rain flooding is 64% of the building damage FEMA expects in Weatherby Lake, and Weatherby Lake’s rate of river and rain flooding damage is lower than 68% of U.S. census tracts. Tornadoes add 19%, at a rate in the top 8% of U.S. census tracts.
B+ lower expected damage per building than 71% of U.S. towns (21,298).
Weatherby Lake’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $931K a year in losses across Weatherby Lake: $521K to buildings, the rest to people and crops.
Does Weatherby Lake flood? Rarely: 2 flood claims since 1979
Every paid claim on a federal flood insurance policy in Weatherby Lake, from FEMA’s records: 2.0 per 1,000 homes, fewer than 62% of the 13,809 U.S. towns with a flood insurance record.
Weatherby Lake isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Platte County.The storms Weatherby Lake remembers
None of the 21 disasters declared for Platte County shows FEMA aid or repair money reaching Weatherby Lake itself in FEMA’s records, so these are its biggest flood-claim years.
- 19791 flood claims paidNo declaration for the county that year
- 19811 flood claims paidNo declaration for the county that year
Platte County has had 21 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 Weatherby Lake after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Weatherby Lake archive →Weatherby Lake and its neighbors
Weatherby Lake has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Weatherby Lake | B+less damage than 71% | river and rain flooding | 2 |
| Kansas City | B+less damage than 66% | river and rain flooding | 1,187 |
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 Weatherby Lake 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 Weatherby Lake
Is Weatherby Lake at risk for natural disasters?
On FEMA’s National Risk Index, Weatherby Lake has lower expected damage per building than 71% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (64%) and tornadoes (19%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Weatherby Lake flood?
Flood insurance has paid 2 claims in Weatherby Lake since 1979, $31K in all, or 2.0 per 1,000 homes, fewer than 62% of U.S. towns with a flood insurance record.
Is Weatherby Lake 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 Platte 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 Weatherby Lake?
FEMA’s Community Rating System list shows no discount for Weatherby Lake’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Weatherby Lake at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (64%), and Weatherby Lake’s rate for it is lower than 68% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Weatherby Lake.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Weatherby Lake’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.