Property Atlas

County hazard profile

Platte, MO

Missouri · pop. 106,489 · FIPS 29165

Relatively Low
FEMA risk rating · RATING
Heat Wave
dominant hazard
$48M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the lowest nationally

national median $15M/yr Platte $48M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Low 71.37/100
national median ~50 near the national middle (71st percentile)
Social vulnerabilityVery Low 10.62/100
national median ~50 among the lowest nationally
Community resilienceVery High 87.6/100
national median ~50 higher than 88% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Platte

The National Flood Insurance Program has paid 368 flood-insurance claims totaling $13.0M in Platte since 1978. The costliest year was 1993 ($8.6M paid).

Flood-insurance dollars paid by year of loss

1978: $387 paid 1979: $58,096 paid 1981: $41,148 paid 1982: $216,742 paid 1983: $12,401 paid 1984: $269,926 paid 1985: $12,514 paid 1987: $31,480 paid 1988: $0 paid 1989: $3,378 paid 1990: $407,866 paid 1992: $0 paid 1993: $8,588,614 paid 1996: $0 paid 1998: $277,299 paid 1999: $9,772 paid 2001: $49,060 paid 2002: $23,033 paid 2006: $53,292 paid 2007: $136,058 paid 2008: $122,786 paid 2009: $0 paid 2011: $1,691,880 paid 2013: $0 paid 2014: $0 paid 2015: $64,150 paid 2016: $25,690 paid 2017: $68,964 paid 2019: $808,256 paid 2023: $2,318 paid 2026: $47,527 paid 1993 · $8.6M 1978 2026
$13.0M
total paid
$35,388
average claim
$550K
largest single claim
68%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Platte, MO and where it ranks among U.S. counties. It is not a verdict on whether Platte is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.