Is Cass County, MO in a flood zone?
FEMA's National Risk Index puts Cass County's flood hazard at the 70.5th percentile nationally — below the national norm for flood hazard — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.8 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Who actually carries the flood insurance FEMA requires
28.4% of the homes FEMA requires to carry flood insurance in Cass County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 60 policies against 211 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Cass County, not just the ones FEMA mandates, 0.3% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Cass County ranks
Cass County sits at rank 966 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 560 of 3144 by population (1 is biggest). Cass County, Missouri covers 696.618 square miles and counts roughly 113,873 residents.
What to do next if you own or are buying in Cass County
102 of Cass County's 39,576 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Cass County's numbers. The guide to what the Special Flood Hazard Area actually means explains why the mandatory-insurance rule exists and who it applies to.