Ray County, Missouri
Natural disaster risk, federal disaster history and flood insurance facts.
Ray County, Missouri has a relatively low overall risk from natural hazards in FEMA's National Risk Index. Its risk score is lower than 56% of US counties. It ranks 69th of 115 counties in Missouri. The costliest hazards here are inland flooding, cold waves and tornadoes. FEMA estimates about $13 million a year in expected losses, or roughly $578 per resident. Since 1965 it has been included in 31 federal disaster or emergency declarations for natural events (25 major disasters). The most recent was in September 2021 (severe storms, straight-line winds, tornadoes and flooding). Fewer than 1 in 100 homes here carry federal flood insurance (73 policies). Since 1978, federal flood insurance has paid about $2.2 million on 191 claims here, including $1.7 million for floods in 1993.
FEMA National Risk Index December 2025; OpenFEMA declarations to Nov 6, 2026; NFIP records. Updated November 6, 2026.
Top risks in Ray County
- Check the FEMA flood map for your address, and ask the seller or landlord about past flooding.
- Price a flood policy now. Most new federal policies take 30 days to start.
- Insulate pipes in outside walls, crawl spaces and garages.
- Know how to shut off the main water valve.
- Pick a shelter spot: a basement, or an inside room on the lowest floor with no windows.
- Turn on emergency alerts on your phone and keep a weather radio.
All 18 hazards
What the ratings mean ›| Hazard | Rating | Score | Expected loss a year | |
|---|---|---|---|---|
| Inland flooding | 48.8 | $6M | ||
| Cold wave | 78.4 | $3M | ||
| Tornado | 57.9 | $2M | ||
| Heat wave | 70.6 | $895K | ||
| Hail | 63.6 | $408K | ||
| Strong wind | 40.7 | $402K | ||
| Drought | 65.3 | $380K | ||
| Lightning | 43.4 | $176K | ||
| Ice storm | 62.1 | $141K | ||
| Earthquake | 35.3 | $108K | ||
| Winter weather | 64.1 | $99K | ||
| Wildfire | 55.0 | $60K | ||
| Landslide | 80.4 | $15K |
Scores are percentiles: a score of 90 means higher risk than about 90% of US counties for that hazard. Hazards FEMA does not rate here are left out. Social vulnerability is relatively moderate and community resilience is relatively high in FEMA's measures.
Federal disaster history
Recent disasters nationwide ›Declarations by decade
Federal declarations for natural events that included Ray County. 2020s bar runs to November 2026.
By type
Most recent
Show all 31
Missouri also had 5 statewide declarations that did not name single counties.
Storm history since 1951
Tornado risk by county ›The National Weather Service has logged 297 storm reports in Ray County since 1951, with 3 deaths and 21 injuries and about $7.6 million in reported damage. The strongest on record here was an F4 tornado on May 4, 1977.
Strongest tornadoes
| Date | Strength | Near | Hurt / killed |
|---|---|---|---|
| May 4, 1977 | F4 | – | 1 / 0 |
| May 4, 1977 | F4 | – | 0 / 0 |
| Jan 24, 1967 | F3 | – | 18 / 2 |
| Apr 21, 1967 | F3 | – | 0 / 0 |
| Jul 17, 1958 | F2 | – | 0 / 0 |
Most damaging storms
| Date | Type | Near | Damage |
|---|---|---|---|
| Jan 24, 1967 | Tornado | – | $3M |
| May 4, 1977 | Tornado | – | $3M |
| Aug 11, 1993 | Thunderstorm Wind | Richmond | $500K |
| Mar 12, 2006 | Tornado | Orrick | $400K |
| Jul 17, 1958 | Tornado | – | $250K |
| Apr 21, 1967 | Tornado | – | $250K |
Source: NOAA Storm Events Database, county-based reports through Jul 10, 2026. Tornado records start in 1950, hail and wind in 1955, and floods and other storm types in 1996, so older decades undercount. Damage is in dollars of the year it happened and is often an estimate. Winter storms, heat and hurricanes are logged by forecast zone, not county, so they are not counted here.
Flood insurance in Ray County
Check your address flood zone ›National Flood Insurance Program (NFIP) records only; private flood policies are not included. Home counts as of Aug 3, 2026. Since 2021 NFIP prices each home separately under Risk Rating 2.0, so your price depends on the building, not the county. Ask an agent for a quote.
Homes in Ray County
Older homes and mobile homes usually suffer more damage in storms, floods and earthquakes, and can cost more to insure. If you are buying, ask about roof age, foundation bolting and any retrofits. Source: US Census Bureau, American Community Survey 2020 to 2024 5-year estimates; 9,931 housing units.
Compare in Missouri
All 115 ›| Largest counties | Overall risk | Top hazard |
|---|---|---|
| St. Louis County | Heat wave | |
| Jackson County | Inland flooding | |
| St. Charles County | Inland flooding | |
| St. Louis City | Heat wave | |
| Greene County | Inland flooding | |
| Clay County | Inland flooding | |
| Jefferson County | Inland flooding | |
| Boone County | Inland flooding |
Neighboring counties
| County | Overall risk | Declarations |
|---|---|---|
| Jackson County | 24 | |
| Clay County | 23 | |
| Lafayette County | 23 | |
| Clinton County | 20 | |
| Caldwell County | 22 | |
| Carroll County | 27 |
Common questions about Ray County
What is the biggest natural hazard in Ray County?
Inland flooding has the highest expected yearly losses in Ray County, about $6 million a year in FEMA's estimate. Cold wave is second at $3.1 million.
How many federal disasters has Ray County had?
Ray County has been included in 31 federal disaster or emergency declarations for natural events since 1965, including 25 major disasters. The most recent was Severe Storms, Straight-Line Winds, Tornadoes, and Flooding in September 2021.
Is Ray County a high-risk place to live?
Its overall rating is Relatively Low, 69th highest of 115 in Missouri. A county rating covers the whole area. Risk at one address can be much higher or lower, so check the FEMA flood map and ask about the home's history.
Do I need flood insurance in Ray County?
Standard home insurance does not cover flooding. About 1 in 143 homes in Ray County has federal flood insurance. Lenders require it in mapped high-risk zones, but many flood claims come from outside those zones.
How many tornadoes has Ray County had?
NOAA records list 34 tornadoes in Ray County since 1950. The strongest was an F4 tornado on May 4, 1977. The weather service has also logged 116 hail reports and 30 floods here.
Sources: FEMA National Risk Index (December 2025), OpenFEMA Disaster Declarations Summaries, and NFIP policy and claims data. Hazard Compass is independent and not affiliated with FEMA. These figures describe the whole county, not a single property, and are not insurance or safety advice. Report a problem.