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Risk: Relatively High

Jackson County, MO Environment & Hazard Risk

Relatively High natural hazard risk, led by tornado. 1,429 storm events since 1996.

Expected yearly loss
$251M
Relatively High nationally
Storm events since 1996
1,429
Most often thunderstorm wind
Flood insurance policies
527
0.2% of homes
Hurricanes nearby
0
Since 1851

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Relatively High

Score 96.5 of 100

Social vulnerability

Relatively Low

Score 28.3 of 100

Community resilience

Relatively Moderate

Score 54.0 of 100

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

Building value exposed: $153B · Agriculture value exposed: $48.4M · Risk-adjusted yearly loss: $241M

Risk by hazard

  • TornadoVery High$61.7M/yr expected annual loss, about once every 3 years
  • HailVery High$21.4M/yr expected annual loss, about 8.2 events a year
  • Heat waveRelatively High$35.8M/yr expected annual loss, about 15 events a year
  • Strong windRelatively High$3.7M/yr expected annual loss, about 6.2 events a year
  • Cold waveRelatively High$14.4M/yr expected annual loss, about 2.3 events a year
  • Winter weatherRelatively High$474K/yr expected annual loss, about 11 events a year
  • LightningRelatively High$1.1M/yr expected annual loss, about 50 events a year
  • Ice stormRelatively High$538K/yr expected annual loss, about once every 1 year
  • EarthquakeRelatively Low$2.3M/yr expected annual loss, about once every 856 years
  • LandslideRelatively Low$23.1K/yr expected annual loss, about once every 3 years
  • WildfireVery Low$48.9K/yr expected annual loss, about once every 5,618 years
  • DroughtRelatively Low$117K/yr expected annual loss, about 7.3 events a year

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, hurricane, 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
527 of 245,732 (0.2%)
Homes in high-risk flood zones
1,068
Insured in high-risk zones
332 (31%)
Flood claims since 1978
2,115
Claims paid since 1978
$45.7M

Flood claims paid per year

Flood claims paid per year in Jackson County
Beta
  • Flooding$11.9M · 406 claims
  • Midwest Flooding$5.2M · 184 claims
  • Not a named storm$3.5M · 392 claims
  • Hurricane Ike$653K · 3 claims
  • Late spring storms$55.9K · 3 claims
  • Mid-spring storms$5,026 · 1 claim

Storm history

Since 1996: 1,429 events, 79 deaths, $63.4M in damage

  • Thunderstorm Wind522
  • Hail492
  • Flash Flood143 · 10 deaths
  • Flood68
  • Heat29 · 48 deaths
  • Drought28
  • Winter Storm27 · 2 deaths
  • Tornado23
  • Heavy Snow14
  • Ice Storm13
Beta

Events per year

Storm events per year in Jackson County
Beta

50 tornadoes on record (EF0 12, EF1 5, EF2 2, EF3 1, F0 11, F1 8, F2 6, F3 3, F4 1, F5 1).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Heat07/18/1999

    Jackson

    17 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.

  • Flash Flood10/04/1998

    Kansas City, Jackson County

    9 deaths, $20M damage

    What happened

    Thunderstorms containing very heavy rainfall over West Central Missouri on October 4th resulted in several episodes of major flash flooding. The most deadly and costly flooding occurred in Jackson County where nine people lost their lives on the evening of October 4th. The Kansas City metropolitan area experienced the worst of the flooding which was similar in historical context as the devastating flash flood in September 1977. Several episodes of heavy rain producing thunderstorms commenced on the morning of October 4th and continued into early afternoon. In Lee's Summit, up to 10 people had to be rescued from a flooded apartment complex and the depth of the water on 3rd St reached 3 feet . This heavy rain fell on top of already saturated soil from rain that occurred 6 out of 7 days prior to October 4th. Shortly after 7 PM, a line of slow moving thunderstorms moved into the Kansas City metropolitan area. These thunderstorms produced 3 to 5 inches of rain in less than 2 hours in many locations. The combination of very intense downpours and dangerous lightning forced a 52 minute delay in the nationally televised Kansas City Chiefs-Seattle Seahawks football game at...

  • Excessive Heat07/18/2012

    Jackson

    7 deaths

    What happened

    High temperatures in the 100 to 110 degree range, combined with humidity, produced afternoon and early evening heat indices in the 100 to 110 degree range. Overnight low temperatures were in the 70s to lower 80s. There were seven heat related deaths reported.

  • Heat07/06/2002

    Jackson

    5 deaths

  • Heat07/16/2006

    Jackson

    4 deaths

    What happened

    Oppressive heat and humidity combined to produce afternoon and early evening heat indices from 105 to 115 degrees, from July 16th through July 20th. The highest computed heat index reached 121 degrees at Amity Missouri. Three males and one female died of heat related causes in Jackson county.

  • Excessive Heat08/06/2007

    Jackson

    3 deaths

    What happened

    The excessive heat and humidity led to the deaths of three people in Jackson county.

Drinking water

24 community water systems serve about 958,275 people. Violations since 2021.

None of the systems serving this county had a health-based violation in this period.

  • Kansas City PwsServes 553,295 · Surface water · Local governmentNo health violations+3 monitoring or reporting
  • Independence PwsServes 120,000 · Groundwater · Local governmentNo health violations+1 monitoring or reporting
  • Lees Summit PwsServes 99,400 · Purchased surface water · Local governmentNo health violations+5 monitoring or reporting
  • Blue Springs PwsServes 61,084 · Purchased surface water · Local governmentNo health violations+2 monitoring or reporting
  • Jackson County Pwsd 1Serves 24,500 · Purchased groundwater · Local governmentNo health violations+1 monitoring or reporting
  • Raytown Water CompanyServes 17,066 · Purchased surface water · PrivateNo health violations+1 monitoring or reporting
  • Jackson County Pwsd 2Serves 16,440 · Purchased surface water · Local governmentNo health violations+2 monitoring or reporting
  • Grain Valley PwsServes 16,000 · Purchased groundwater · Local governmentNo health violations+1 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

2 Superfund sites and 49 toxic release facilities in Jackson County

Toxic release facilities

Total: 2.1 million lbs in 2024, 1.2 million lbs to air.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk271 historic places

Frequently asked questions

How risky is Jackson County for natural disasters?
FEMA rates Jackson County relatively high for overall natural hazard risk, with expected losses of $251M a year. The highest-rated hazards are tornado (very high), hail (very high), heat wave (relatively high).
What storms are most common in Jackson County?
Since 1996, NOAA recorded 1,429 storm events affecting Jackson County, most often thunderstorm wind (522), hail (492), flash flood (143).
How many tornadoes have hit Jackson County?
50 tornadoes have been recorded in Jackson County since 1950, including 6 rated F3/EF3 or stronger.
How many homes in Jackson County have flood insurance?
527 residential flood insurance policies are in force in Jackson County, covering about 0.2% of homes. The program has paid $45.7M on 2,115 claims here since 1978.
What is the weather like in Jackson County?
At Independence, average highs reach 87°F in Jul and lows fall to 19°F in Jan, with 44.7 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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