Flood history · Hardin, MO 64035
Flood insurance claims in Hardin, MO 64035
109 claims since 1985 and $934,570 paid. Here's what the public record shows, and how to check a specific address.
Claims by year
Every NFIP flood insurance claim reported in ZIP 64035 since 1978.
What the record says
Almost all claims here (99%) were on properties in high-risk zones (A or V). In those zones, federally regulated lenders require flood insurance.
One event dominates the record: Midwest Flooding accounts for 90% of all claims in this ZIP code.
No claims were recorded in the last 10 years. Older floods still show what the area can do.
The most commonly recorded cause is rivers, streams or lakes overflowing.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| Midwest Flooding | 1993 | 98 | 90% |
| Unnamed flooding | 1995 | 2 | 2% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in Ray County
Flood, hurricane and storm declarations since 2000.
18 flood, storm or hurricane declarations for Ray County since 2000.
Check a specific address in Hardin.
ZIP-level history is the backdrop. See the official FEMA flood zone, ground elevation and next steps for one property, free.
Sources: FEMA OpenFEMA NFIP Redacted Claims (v3) and Disaster Declarations Summaries, FEMA NFIP Community Status Book; place names from GeoNames (CC BY 4.0). Data as of 2026-10-09. Payments are net building + contents payments in dollars at the time paid, not adjusted for inflation. Claims are grouped by the ZIP code reported on the claim. This product uses the FEMA OpenFEMA API but is not endorsed by FEMA. Information only; not an official flood zone determination or insurance advice.