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Risk: Relatively Low

Cass County, MO Environment & Hazard Risk

Relatively Low natural hazard risk, led by hail. 771 storm events since 1996.

Expected yearly loss
$44.3M
Relatively Low nationally
Storm events since 1996
771
Most often hail
Flood insurance policies
102
0.3% of homes
Hurricanes nearby
0
Since 1851

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Relatively Low

Score 74.9 of 100

Social vulnerability

Very Low

Score 12.2 of 100

Community resilience

Relatively Moderate

Score 59.2 of 100

Community resilience runs the other way: a higher rating means a community can recover faster.

Building value exposed: $21.5B · Agriculture value exposed: $155M · Risk-adjusted yearly loss: $35.4M

Risk by hazard

  • HailRelatively Moderate$2.9M/yr expected annual loss, about 8.2 events a year
  • Strong windRelatively High$2.9M/yr expected annual loss, about 6.1 events a year
  • TornadoRelatively Moderate$9.2M/yr expected annual loss, about once every 2 years
  • Heat waveRelatively Moderate$3.6M/yr expected annual loss, about 15 events a year
  • Cold waveRelatively Moderate$6.3M/yr expected annual loss, about 2.1 events a year
  • Winter weatherRelatively Moderate$291K/yr expected annual loss, about 11 events a year
  • Ice stormRelatively Moderate$363K/yr expected annual loss, about once every 1 year
  • LightningRelatively Moderate$527K/yr expected annual loss, about 51 events a year
  • EarthquakeVery Low$450K/yr expected annual loss, about once every 816 years
  • LandslideVery Low$1,927/yr expected annual loss, about once every 7 years
  • DroughtRelatively Low$186K/yr expected annual loss, about 5.2 events a year
  • WildfireVery Low$17.7K/yr expected annual loss, about once every 4,018 years
  • HurricaneVery Low$6,399/yr expected annual loss, about once every 100 years

Bars show the national percentile score (0 to 100) for each hazard. Dollar figures are expected annual losses to buildings, people and crops. Not rated here: avalanche, coastal flooding, riverine flooding, tsunami, volcanic activity.

Flood risk and insurance

National Flood Insurance Program and FEMA flood maps

Check the flood zone for an address

Homes with flood insurance
102 of 39,576 (0.3%)
Homes in high-risk flood zones
211
Insured in high-risk zones
60 (28%)
Flood claims since 1978
328
Claims paid since 1978
$5.4M

Flood claims paid per year

Flood claims paid per year in Cass County
Beta
  • Flooding$320K · 58 claims
  • Not a named storm$75.7K · 10 claims
  • Midwest Flooding$22.1K · 6 claims
  • Late spring storms$2,829 · 1 claim

Storm history

Since 1996: 771 events, 4 deaths, $10M in damage

  • Hail310
  • Thunderstorm Wind246 · 1 death
  • Flash Flood57
  • Drought25
  • Winter Storm24
  • Tornado21
  • Heat16 · 2 deaths
  • Flood15
  • Heavy Snow11
  • Winter Weather10 · 1 death
Beta

Events per year

Storm events per year in Cass County
34
25
21
23
43
24
26
25
21
18
38
18
19
18
18
9
34
34
25
38
Beta

41 tornadoes on record (EF0 12, EF1 2, F0 11, F1 9, F2 2, F3 5).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Heat07/18/1999

    Cass

    2 deaths

    What happened

    Northwest Missouri suffered through two weeks of oppressive heat and humidity in late July as temperatures topped the 90 degree mark for 14 consecutive days. Dew points in the lower to middle 70s pushed afternoon heat indices above 100 degrees each day. The heat wave was most intense from July 23rd through the 30th, as temperatures reached the upper 90s or topped 100 degrees for 8 consecutive days, with afternoon heat indices between 110 and 115 degrees. Kansas City's downtown airport recorded 7 straight 100 degree days, peaking at 106 on July 29. Adding to the deadly effects of the heat was the lack of nighttime cooling, especially in the urban areas. Overnight temperatures in downtown Kansas City did not drop below 78 degrees for a 13-day period, and nighttime heat indices remained in the 80s. The heat wave claimed a total of 22 lives in northwest Missouri. Most of the victims were elderly, and 16 of the fatalities occurred in the urban core of Kansas City. The other heat-related deaths occurred outside Kansas City in Jackson County (one death), and in Cass (2 deaths), Bates (1), Buchanan (1), and Harrison (1) Counties.

  • Thunderstorm Wind61 kt wind08/22/2003

    Garden City, Cass County

    1 death, 2 injured, $150K damage

    What happened

    Two mobile homes destroyed with two injuries. One of these injured died as a result of their injuries on September 3, 2003. One house had major damage with one injury. Numerous trees down or damaged along with outbuildings.

  • Winter Weather11/12/2018

    Cass

    1 death, 1 injured, $100K damage

    What happened

    After 1 to 3 inches of snow fell across the region area roads became very icy, causing numerous vehicle accidents. One such accident that resulted in a fatality occurred along I-49 (Mile Marker 160.2) in Cass County near the town of Archie around 10:00 am, when a vehicle slid off the road, struck a guardrail, and came back onto the road, where it was subsequently hit by a 18 wheeler. The driver of the vehicle died on the scene and the passenger was transported to a local hospital with minor injuries. ||Missouri Highway Patrol Accident Report: https://www.mshp.dps.missouri.gov/HP68/AccidentDetailsAction?ACC_RPT_NUM=180680656 .

  • Ice Storm01/30/2002

    Cass

    $6.7M damage

    What happened

    A long-lived major ice and snow storm blasted much of northwest, northern and central Missouri from late Tuesday, January 29th, until Thursday, January 31st. Ice accumulations of over an inch were observed from the Kansas City metropolitan area, east and north through Moberly Missouri. At one point 409,504 total customers were without electrical power in the CWA, with some residents without power up to two weeks. For the Kansas City area, the ice storm was ranked as the worst ever. Further north across northern Missouri, heavy snow fell generally along and north of a line, from St. Joseph to Trenton to Kirksville. Snow accumulations ranged from 8 to 14 inches.

  • Winter Weather02/15/2019

    Cass

    3 injured, $500K damage

    What happened

    Another pile up occurred on I-49 between Belton and Peculiar. Most injuries in this accident were considered moderate and non-life threatening.

  • Thunderstorm Wind05/17/1999

    Archie, Cass County

    3 injured, $50K damage

    What happened

    Roofs were torn off 2 houses by thunderstorm wind gusts.

Drinking water

33 community water systems serve about 667,465 people. Violations since 2021.

4 systems had health-based violations, such as a contaminant over the legal limit or a missed treatment step. 6 systems had a violation of any kind still open at last report.

  • Kansas City PwsServes 553,295 · Surface water · Local governmentNo health violations+3 monitoring or reporting
  • Belton PwsServes 23,598 · Purchased surface water · Local governmentNo health violations+4 monitoring or reporting
  • Raymore PwsServes 21,517 · Purchased surface water · Local governmentNo health violations+1 monitoring or reporting
  • Harrisonville PwsServes 10,250 · Surface water · Local governmentNo health violations+4 monitoring or reporting
  • Pleasant Hill PwsServes 8,262 · Purchased surface water · Local governmentNo health violations+3 monitoring or reporting
  • Peculiar PwsServes 6,226 · Purchased surface water · Local governmentNo health violations+2 monitoring or reporting
  • Cass County Pwsd 9Serves 6,063 · Purchased groundwater · Local governmentNo health violations
  • Cass County Pwsd 2Serves 4,650 · Purchased surface water · Local governmentNo health violations+2 monitoring or reporting

Largest systems by population served. Monitoring and reporting violations mean required tests or notices were late or missing, not that the water was unsafe.

Pollution sites

0 Superfund sites and 9 toxic release facilities in Cass County

Superfund sites

None in this county.

Toxic release facilities

Total: 14,049 lbs in 2024, 10,047 lbs to air.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk5 historic places

Frequently asked questions

How risky is Cass County for natural disasters?
FEMA rates Cass County relatively low for overall natural hazard risk, with expected losses of $44.3M a year. The highest-rated hazards are hail (relatively moderate), strong wind (relatively high), tornado (relatively moderate).
What storms are most common in Cass County?
Since 1996, NOAA recorded 771 storm events affecting Cass County, most often hail (310), thunderstorm wind (246), flash flood (57).
How many tornadoes have hit Cass County?
41 tornadoes have been recorded in Cass County since 1950, including 5 rated F3/EF3 or stronger.
How many homes in Cass County have flood insurance?
102 residential flood insurance policies are in force in Cass County, covering about 0.3% of homes. The program has paid $5.4M on 328 claims here since 1978.
What is the weather like in Cass County?
At Pleasant Hill WFO, average highs reach 88°F in Jul and lows fall to 21°F in Jan, with 42.7 inches of rain a year (1991-2020 normals).

Source: FEMA (National Risk Index, NFIP), NOAA (Storm Events, HURDAT2, Climate Normals), EPA · Last updated 08/01/2026 · Storm counts include events in forecast zones that touch the county. This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.

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