Water damage restoration · Kearney, Missouri
Water damage restoration in Kearney, MO
Burst pipe, failed water heater, or storm water? Kearney-area ZIPs: 3 flood claims since 1993[1]; 17% of homes built before 1980[2]. Request help from local restoration crews. Kearney, in Clay County — ZIP 64060, counts 11,296 residents (2025 estimate)[3].
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Kearney at a glance for water damage
- Population (2025 est.)
- 11,296[3]+8.6% since 2020
- County
- Clay[3]
- Land area
- 13.3 sq mi[4]
- Flood-insurance (NFIP) claims, local ZIPs
- 3 since 1993[1]$0 paid across 0 claims · ZIP 64060
- Flood & flash-flood reports within 10 mi
- 11[5]2016–2025 · latest May 24, 2022
- Winter-storm & freeze days, clay zone
- 15[5]2016–2025; hard freezes burst pipes
- Federal disaster declarations incl. flooding, Clay Co.
- 6[6]of 13 total declarations
- Homes built before 1980
- 17%[2]the 3rd-lowest share of the 14 Kansas City–area suburbs we cover
- Households renting
- 25%[2]2020–2024
What Kearney's numbers say about water damage
Kearney is one of the fastest-growing Kansas City–metro suburbs tracked here: 11,296 people (2025 estimate), up 8.6% since 2020[3]. It covers 13.3 square miles (847 residents per square mile, the 13th densest), sits entirely in Clay County, in ZIP code 64060[4].
Kearney mixes 29% of homes built since 2010 and 17% before 1980[2]: new supply lines and water heaters in one house, aging pipe and original valves in the next — so where a leak starts depends a lot on the address.
The entire city sits in ZIP code 64060[7].
Nearest of the other suburbs we track: Excelsior Springs (6.4 mi E), Liberty (8.5 mi S) and Gladstone (14.5 mi SW)[4].
3 flood-insurance claims have come from Kearney-area ZIP codes (64060) since 1993, and $0 has been paid on them[1]. 1993 was the worst year, with 1 claim. That is the fewest of the 14 Kansas City–area suburbs we cover; for comparison, Excelsior Springs (157), Liberty (37), and Gladstone (352). Most jobs here start inside the house. Of the 3 claims rated in a flood zone, 3 were in FEMA's high-risk areas (zones A or V) and 0 outside them (zones B, C or X)[1][8].
Within 10 miles of central Kearney, weather observers filed 11 flood, flash-flood or heavy-rain reports in 2016–2025 (7 flash floods)[5]. Countywide: 6 flood declarations since 2000, latest Severe Storms, Tornadoes, and Flooding (DR-4451, 2019)[6]. Nearby: Excelsior Springs (13), Liberty (23), and Gladstone (43).
17% of Kearney's 4,406 housing units predate 1980[2] — the 3rd-lowest share of the 14 Kansas City–area suburbs we cover (Excelsior Springs (64%), Liberty (41%), and Gladstone (64%)). In newer houses, check fittings, washer hoses and the water-heater pan first — and any builder warranty.
75% of Kearney households own their home[2], so most claims and rebuilds here are coordinated by the owner.
Among the 14 suburbs tracked here, Kearney stands out for the fewest NFIP flood claims (3)[1], the fewest flood reports nearby (11, tied with Belton)[5], the newest housing (by median year built) (2002, tied with 3 other suburbs)[2], and the 3rd-lowest pre-1980 housing share (17%)[2].
How a leak spreads inside a wall
Water on the move: it spreads across floors and wicks upward into drywall until it is stopped.
Kearney storm calendar
Within 10 miles of Kearney, 2016–2025: 7 flash-flood reports and 4 flood reports[5]. Peak: 73% in April, May, and August. Busiest year 2016 (4); 5 of 10 years had none. Busiest month August 2017 (3). Latest: flood report, May 24, 2022, 3.9 mi out.
| Month | Flash flood | Flood | Heavy rain | All |
|---|---|---|---|---|
| Apr | 1 | – | – | 1 |
| May | 1 | 1 | – | 2 |
| Jun | – | 1 | – | 1 |
| Jul | 1 | – | – | 1 |
| Aug | 3 | 2 | – | 5 |
| Sep | 1 | – | – | 1 |
Finding water damage help around Kearney
Your request reaches Water damage restoration contractors who serve Kearney (ZIP code 64060).
Before you pick up the phone: what a restoration crew does first
Shared walls and ceilings: Kearney homes by building type
With 80%[2] of homes detached, most Kearney water-damage jobs stay inside one house — the owner's policy and the owner's call.
After detached houses, the biggest group is 3–4 units: 210 of 4,406 housing units[2].
| Building type | Units | Share | Margin of error |
|---|---|---|---|
| Detached house | 3,539 | 80.3% | ±236 |
| Attached house (townhouse, rowhouse) | 136 | 3.1% | ±90 |
| Duplex (2 units) | 182 | 4.1% | ±115 |
| 3–4 units | 210 | 4.8% | ±131 |
| 5–9 units | 170 | 3.9% | ±95 |
| 10–19 units | 11 | 0.2% | ±18 |
| 20–49 units | 108 | 2.5% | ±82 |
| 50 or more units | 50 | 1.1% | ±54 |
Margins of error are the Census Bureau’s 90% intervals; small categories in small cities are rough.
The Kearney numbers behind this page
| Measure | Kearney | Median of 14 | Difference |
|---|---|---|---|
| NFIP flood claims (area ZIPs) | 3 | 49 | 46 fewer |
| Built before 1980 | 17% | 40% | 23 pts lower |
| Flood reports (10 mi) | 11 | 15 | 4 fewer |
| Median home value | $298,400 | $247,300 | 21% higher |
| Renter-occupied | 25% | 32% | 6 pts lower |
| Owner-occupied | 75% | 68% | 6 pts higher |
| Median year built | 2002 | 1986 | 16 years newer |
Biggest gaps first. Medians are middle values across the Kansas City–area suburbs we cover, drawn from the same sources.
| City | NFIP claims | Flood reports ≤10 mi | Freeze days | Built before 1980 | Renting |
|---|---|---|---|---|---|
| Kearney | 3 | 11 | 15 | 17% | 25% |
| Excelsior Springs 6.4 mi | 157 | 13 | 15 | 64% | 32% |
| Liberty 8.5 mi | 37 | 23 | 15 | 41% | 27% |
| Gladstone 14.5 mi | 352 | 43 | 15 | 64% | 32% |
| Independence 18.6 mi | 388 | 15 | 20 | 70% | 39% |
| Parkville 20.9 mi | 61 | 32 | 16 | 20% | 18% |
| ZIP | Claims | Paid | Busiest year | Outside high-risk zones |
|---|---|---|---|---|
| 64060 | 3 | $0 | 1993 (1) | 0 of 3 |
ZIPs extend past city limits. Outside high-risk zones: claims rated in zone B, C or X, of the claims that carry a zone.
| Year | Claims |
|---|---|
| 2021 | 1 |
| 2020 | 1 |
| 1993 | 1 |
| Date | Type | Distance |
|---|---|---|
| May 24, 2022 | Flood | 3.9 mi |
| Jun 25, 2021 | Flood | 3.9 mi |
| Sep 27, 2019 | Flash Flood | 6.3 mi |
| May 24, 2019 | Flash Flood | 3.5 mi |
| Aug 21, 2017 | Flood | 1.8 mi |
| Aug 21, 2017 | Flash Flood | 8.1 mi |
| Aug 21, 2017 | Flash Flood | 4.4 mi |
| Aug 27, 2016 | Flood | 3.3 mi |
| ZIP (ZCTA) | Share of Kearney's land | Share of the ZIP inside the city |
|---|---|---|
| 64060 | 87% | 20% |
Kearney water damage questions
Do I need flood insurance in Kearney?
Homeowners policies exclude outside floodwater[9], and Kearney-area ZIPs have 2 NFIP claims in just the last ten years[1].
Which Kearney ZIP codes do these crews cover?
64060[7], in Clay County. Nearby pages: Excelsior Springs (6.4 mi), Liberty (8.5 mi), and Gladstone (14.5 mi)[4].
When was the last flood report near Kearney?
May 24, 2022: a flood report 3.9 miles from the city center[5].
My Kearney home is fairly new — could the plumbing fixtures and water heater still be under warranty?
Possibly: 29% of Kearney's housing units were built in 2010 or later[2], the 2nd-highest share of the 14 Kansas City–area suburbs we cover. Check your closing paperwork for warranties before paying for a repair.
Sources
- OpenFEMA NFIP claims
- Census ACS 2020–2024 5-year (keyless bulk)
- Census population estimates, Vintage 2025
- Census Gazetteer 2025
- NOAA Storm Events Database
- OpenFEMA disaster declarations
- Census 2020 ZCTA–place file
- FEMA, Flood Zones (link unverified)
- FEMA FloodSmart (link unverified)
Data pulled Sep 28, 2026. Full citations and method.