Clark County, Missouri has adopted no building code and no county building-permit ordinance, a finding corroborated by the state's own county building-code dataset1. No countywide zoning ordinance turned up among the county's adopted ordinances either, though Missouri law lets counties adopt zoning by voter referendum, so this is a finding, not a legal certainty2. Septic (onsite wastewater) permits go straight to the state: Missouri's Department of Health and Senior Services is the permitting authority for Clark County, not a county health office34. Clark County does have a real floodplain ordinance, administered by the Presiding Commissioner, that governs development, RVs, and camping within mapped flood-hazard zones56.
At a glance
- Building permit
- Not required; no county building code has been adopted1
- Zoning
- No countywide zoning ordinance found; unincorporated status otherwise unconfirmed2
- Septic (OWTS) permit
- Required, permitted directly by the state DHSS Onsite Program rather than a county office47
- Water well
- Landowners may install their own well or pump without a state permit8
- Floodplain development permit
- Required in FIRM-mapped flood zones, issued by the Presiding Commissioner6
- RV or camping in a mapped flood zone
- Under 180 consecutive days, or licensed and highway-ready, unless permitted as a manufactured home9
- Property tax
- About 1% effective rate; roughly $1,139 median annual bill1011
Who to call
Floodplain permits
Clark County Presiding Commissioner's Office
The Presiding Commissioner is the county's designated Floodplain Administrator under the county's floodplain management ordinance and issues floodplain development permits
111 E. Court Street, Ste 110, Kahoka, MO 63445-1268
Also useful
County records and general county-government contact; the office to ask about zoning, subdivision, or building questions the county site doesn't route to a named department
111 E. Court Street, Ste 110, Kahoka, MO 63445-1268
Roads & driveways
Clark County Road & Bridge Department
County road and bridge maintenance and development; the office to ask about access to a county road
Septic permits
Missouri DHSS Onsite Wastewater Treatment Program
State onsite wastewater treatment system (septic) permitting authority for Clark County; the state's own county lookup lists a dedicated Clark County contact line at (573) 751-6095 ext. 5
PO Box 570, Jefferson City, MO 65102-0570
Contact details are copied from each office’s official page and were checked against it on September 24, 2026.
Do you need a building permit in Clark County, Missouri?
No. Clark County has adopted no building code and no building-permit ordinance, a finding the state's own County Building Codes dataset corroborates for Clark County1. Missouri law lets only first- and second-class counties adopt building-permit regulations, and even then a county that hadn't adopted a code before August 28, 2001 needs voter approval to start12. Missouri has no statewide residential building code that fills the gap, so unless Clark County has quietly changed course since this research, there's simply no county-level building-permit process to go through1. That's true for a private home; it doesn't touch the floodplain permit that applies if your site sits in a mapped flood-hazard zone6.
Who handles floodplain, roads and general questions in Clark County?
There's no building department to call, but Clark County does administer its floodplain ordinance actively: the Presiding Commissioner, 111 E. Court Street, Ste 110, Kahoka, MO 63445-1268, phone 660-727-8241, is the county's designated Floodplain Administrator and issues floodplain development permits56. For county road and bridge questions, the Road & Bridge Department at 660-341-4016 handles maintenance and development on county roads13. For anything else, including zoning or subdivision questions the county site doesn't route elsewhere, the Clark County Clerk's Office at 111 Court Street, Ste 110, Kahoka, MO 63445-1268, phone 660-727-3283, is the general county-government contact14.
Does Clark County have zoning?
No countywide zoning ordinance appears among Clark County's adopted ordinances, and only municipalities such as Kahoka administer their own zoning2. That's not a legal limit the way it can be in some states: Missouri lets a first-class noncharter county, or a county of the second, third, or fourth class, establish county zoning any time voters approve it in a referendum, so Clark County could adopt zoning in the future even though it hasn't so far15. With derived_answers empty for this county, don't treat "no zoning ordinance found" as "no rule can ever apply"; confirm current status with the County Clerk's Office before you rely on it, especially for anything near Kahoka or another municipality14.
How do septic and well permits work in Clark County?
Septic, called an onsite wastewater treatment system (OWTS) in Missouri, is permitted directly by the state here rather than by a county health department: DHSS itself is listed as Clark County's OWTS permitting authority, with a dedicated Clark County contact line at (573) 751-6095 ext. 534. A construction permit is required before installing or repairing most OWTS statewide, though some single-family residential lots may be exempt, and the acreage-based exemption doesn't apply in every county, so confirm your specific situation with DHSS16. Soils are a real constraint here: 0% of Clark County's soils are rated without severe limits for a conventional septic drain field, so budget for an engineered or alternative system on essentially any site17. Missouri no longer requires a septic inspection at every real-estate transaction statewide, though a lender or buyer can request one from a licensed inspector, and some counties may still require it, so ask DHSS whether Clark County does18. Water wells are simpler: landowners may install their own well or pump without a permit under Missouri law, though anyone who contracts out that work needs a licensed, permitted well driller8.
Can you live in an RV or tiny home on your land in Clark County?
It depends on whether your parcel sits in a mapped flood-hazard zone. Inside an unnumbered or numbered A zone or AE zone on Clark County's Flood Insurance Rate Map, the county's floodplain ordinance directly regulates RVs and temporary camping: the vehicle must be on-site fewer than 180 consecutive days, or be fully licensed and ready for highway use on its wheels with only quick-disconnect utilities, or meet the ordinance's manufactured-home permitting, elevation, and anchoring requirements919. Outside a mapped flood zone, no county ordinance addressing RV or tiny-home occupancy was found, and Clark County's zoning status for that land is itself unconfirmed, so treat long-term RV or tiny-home living outside a flood zone as an open question rather than a settled yes2. Either way, you'll still need an OWTS permit from DHSS if you're not on a public sewer4.
Building a home in Clark County: the steps, in order
- Check whether your parcel falls within a mapped flood-hazard zone on Clark County's Flood Insurance Rate Map; if it does, you need a floodplain development permit from the Presiding Commissioner before any construction, including placement of a manufactured home520.
- There's no county building permit to apply for anywhere in Clark County, since no building code has been adopted, but confirm current status with the County Clerk's Office if you want certainty141.
- Contact the DHSS Onsite Wastewater Treatment Program, (573) 751-6095 ext. 5 for Clark County, before you install or repair a septic system4.
- If you're drilling your own well as the landowner, you don't need a state well permit, but hiring a contractor to drill it does require a licensed, permitted well driller8.
- If your driveway or any work will touch a Missouri Department of Transportation right-of-way, apply for a MoDOT permit and give the Traffic Specialist at least 48 hours' notice before work begins21.
- If you're building a farm building or structure, know that Missouri law exempts farm buildings and structures from county fire-protection or fire-prevention ordinance permits, though that doesn't waive floodplain or septic rules22.
What to check before you buy land in Clark County
Clark County is rural, with about 13.2 people per square mile across roughly 6,641 residents, and the nearest metro area is about 98 miles away232425. Farmland runs about $4,859 an acre on average, and a typical home in the county is valued around $191,6122627. This is greener, wetter country than much of the rural Plains: annual precipitation averages about 39.2 inches, about 28.8% of the county is wooded, and only about 7.7% of years see severe drought282930. About 83.2% of the land sits at 15% slope or less, and 1.6% is federal land, worth checking if a parcel borders public ground3132. Septic siting is the county's biggest land-use constraint: 0% of local soils are rated without severe limits for a conventional drain field, so get a site evaluation before you commit to a specific lot, and check the Flood Insurance Rate Map before you buy near a creek or the Mississippi River bottoms1720. Average annual temperature runs about 52.2°F, with only about 8.2 more days a year projected at or above 100°F by mid-century, mild by comparison with much of Texas or Oklahoma3334. Budget for insurance and taxes too: a typical homeowner's policy runs about $2,000 a year, the effective property tax rate is about 1%, and the median property tax bill is around $1,139 a year351011.
Watch-outs
- Missouri lets counties adopt zoning by voter referendum, so "no zoning ordinance found today" is a snapshot, not a permanent guarantee; check current status with the County Clerk's Office before you rely on it1415.
- The county's RV and camping rules only apply inside mapped flood-hazard zones; outside those zones, no county ordinance on RV or tiny-home occupancy was found, so don't assume the 180-day flood-zone rule is the whole story9.
- Every conventional septic drain field in Clark County faces severe soil limits by this county's own soil data; budget for an engineered or alternative system rather than assuming a standard field will pass17.
Sources
- Clark County, MO Ordinances (2026 county census)
- Clark County, MO Ordinances (2026 county census)
- Missouri DHSS - OWTS permitting authority by county (Clark) (2026 county census)
- Missouri DHSS Onsite Wastewater Treatment Program (health.mo.gov)
- Clark County Presiding Commissioner's Office (clarkcountymo.org)
- Floodplain Management Ordinance 6, quoted and re-checked
- OWTS Construction Permit Process, quoted and re-checked
- Water Wells - PUB2945, quoted and re-checked
- Ordinance No. 6, quoted and re-checked
- Effective property tax rate: Bolthole Index county data
- Median property tax bill: Bolthole Index county data
- RSMo § 64.170 — County commissions control construction and issue building permits (Missouri statewide rule), quoted and re-checked
- Clark County Road & Bridge Department (clarkcountymo.org)
- Clark County Clerk's Office (clarkcountymo.org)
- RSMo § 64.090 — Planning and zoning powers of county commission (Missouri statewide rule), quoted and re-checked
- OWTS Construction Permit Process (Missouri statewide rule), quoted and re-checked
- Share of soils without severe limits for a conventional septic drain field (USDA SSURGO): Bolthole Index county data
- Frequently Asked Questions, quoted and re-checked
- Ordinance No. 6, quoted and re-checked
- Floodplain Management Ordinance 6, quoted and re-checked
- Permit Process | Missouri Department of Transportation (Missouri statewide rule), quoted and re-checked
- RSMo Section 64.003 — Farm buildings and farm structures (Missouri statewide rule), quoted and re-checked
- Population density: Bolthole Index county data
- County population: Bolthole Index county data
- Distance to the nearest metro area: Bolthole Index county data
- Farmland value per acre (USDA census): Bolthole Index county data
- Typical home value (Zillow): Bolthole Index county data
- Annual precipitation: Bolthole Index county data
- Wooded share of land: Bolthole Index county data
- Share of years in severe drought: Bolthole Index county data
- Share of land at 15% slope or less: Bolthole Index county data
- Federal land share: Bolthole Index county data
- Average annual temperature: Bolthole Index county data
- Projected mid-century days at or above 100°F: Bolthole Index county data
- Typical home insurance premium: Bolthole Index county data
Written September 24, 2026 from the rules quoted below, each taken from an official source and re-checked by an independent reviewer. This is research, not legal advice: rules change, so confirm with the office before you buy or build.