Water Risk Profile — ZIP 64064
Flood risk, local cost data, climate factors, and insurance context for your ZIP code.
Flood Risk
Medium
Cost Range
$1,500–$8,500
Avg Response
42 min
NFIP
State participates
Local Climate & Risk Factors
Lee's Summit, Missouri sits at the confluence of major river systems — the Missouri, Mississippi, and Meramec Rivers create significant FEMA Zone AE flood designations in communities throughout the state. The 1993 Missouri River flood was the most costly flood in U.S. history at the time. Missouri's variable climate delivers ice storms in winter, spring tornado-season flooding, summer convective storms, and occasional polar vortex cold events below -15°F. Missouri's aging housing stock includes many homes with original 1950s–1970s plumbing approaching end of service life. Missouri Department of Commerce and Insurance handles claim disputes.
Flood-prone areas: Lakewood's 1990s subdivision homes back up to Little Blue River's wooded floodplain corridor and have flooded during multiple high-water events in the Missouri tributary system. Summit Crossing's late-1980s ranch homes on flat clay terrain sit in an internal drainage basin with limited natural outlets. Strother Farm's 1970s-1980s brick ranches rest on shrink-swell Missouri clay that cracks sewer laterals and foundation perimeters after wet-dry cycles.
Water Category Cost Table — Lee's Summit, MO
Extraction & drying cost per square foot by IICRC water category
| Water Category | $/sq ft |
|---|---|
| Category 1 — Clean Burst supply line, clean appliance overflow | $2.72–$6.74 |
| Category 2 — Gray Dishwasher, washing machine, toilet bowl (no feces) | $6.74–$8.16 |
| Category 3 — Black Sewage backup, floodwater, toilet overflow with feces | $9.59–$12.1 |
Estimates exclude reconstruction (drywall, flooring replacement). National benchmarks: Cat 1 $3.75–$4.25, Cat 2 $4.10–$6.50, Cat 3 $7–$7.50/sq ft — adjusted for Lee's Summit market (3.2–11/sq ft range).