Flood history · Missouri
Flood insurance claims in Missouri
48,486 claims and $940.0 million paid since 1978. Find your ZIP code.
48,486claims since 1978
$940.0 millionpaid to policyholders
153ZIP codes with 50+ claims
Claims by year
Biggest flood events
| Event (top events per ZIP) | Year | Claims |
|---|---|---|
| Unnamed flooding | 1995 | 6,725 |
| Midwest Flooding | 1993 | 5,514 |
| Not a named storm | 1982 | 2,813 |
| Early winter storms | 2015 | 1,473 |
| Late spring severe storms | 2017 | 1,277 |
| March storm | 2008 | 1,008 |
| Hurricane Ike | 2008 | 995 |
| Mid-spring storms | 2011 | 815 |
Missouri ZIP codes by flood claims
ZIP codes with at least 50 claims. Select one for its full history.
| ZIP | Place | County | Claims | Paid | Last 10 yrs |
|---|---|---|---|---|---|
| 63301 | Saint Charles | Saint Charles | 5,266 | $72.9 million | 328 |
| 63088 | Valley Park | St. Louis | 2,250 | $35.1 million | 26 |
| 63386 | West Alton | Saint Charles | 2,078 | $35.2 million | 145 |
| 63026 | Fenton | St. Louis | 1,311 | $26.7 million | 116 |
| 63010 | Arnold | Jefferson | 1,217 | $15.8 million | 49 |
| 63025 | Eureka | St. Louis | 1,208 | $17.3 million | 96 |
| 63373 | Portage Des Sioux | Saint Charles | 1,113 | $21.9 million | 149 |
| 63130 | Saint Louis | St. Louis | 1,112 | $17.9 million | 212 |
| 64437 | Craig | Holt | 1,085 | $30.6 million | 262 |
| 63670 | Sainte Genevieve | Ste. Genevieve | 998 | $5.8 million | 7 |
| 63343 | Elsberry | Lincoln | 778 | $7.1 million | 154 |
| 63701 | Cape Girardeau | Cape Girardeau | 777 | $6.7 million | 8 |
| 63144 | Saint Louis | St. Louis | 675 | $49.0 million | 103 |
| 63128 | Saint Louis | St. Louis | 566 | $11.3 million | 29 |
| 63129 | Saint Louis | St. Louis | 560 | $6.9 million | 10 |
| 63069 | Pacific | Franklin | 534 | $15.6 million | 95 |
| 63016 | Cedar Hill | Jefferson | 503 | $5.7 million | 45 |
| 63347 | Foley | Lincoln | 468 | $7.7 million | 37 |
| 63336 | Clarksville | Pike | 455 | $4.3 million | 67 |
| 63389 | Winfield | Lincoln | 437 | $10.1 million | 68 |
| 63376 | Saint Peters | Saint Charles | 400 | $6.3 million | 63 |
| 63401 | Hannibal | Marion | 389 | $5.4 million | 16 |
| 63125 | Saint Louis | St. Louis | 388 | $5.8 million | 29 |
| 64484 | Rushville | Buchanan | 386 | $15.3 million | 106 |
| 65101 | Jefferson City | Cole | 381 | $7.3 million | 55 |
| 63901 | Poplar Bluff | Butler | 373 | $6.8 million | 55 |
| 63031 | Florissant | St. Louis | 372 | $5.5 million | 53 |
| 63303 | Saint Charles | Saint Charles | 364 | $3.9 million | 24 |
| 63135 | Saint Louis | St. Louis | 363 | $4.4 million | 74 |
| 63042 | Hazelwood | St. Louis | 360 | $22.4 million | 69 |
| 63019 | Crystal City | Jefferson | 344 | $5.1 million | 7 |
| 63136 | Saint Louis | St. Louis | 339 | $909,304 | 27 |
| 63366 | O Fallon | Saint Charles | 333 | $6.8 million | 61 |
| 63369 | Old Monroe | Lincoln | 312 | $5.0 million | 36 |
| 63124 | Saint Louis | St. Louis | 303 | $9.0 million | 69 |
| 64854 | Noel | McDonald | 288 | $8.2 million | 127 |
| 63122 | Saint Louis | St. Louis | 285 | $10.3 million | 41 |
| 63114 | Saint Louis | St. Louis | 269 | $1.0 million | 11 |
| 63123 | Saint Louis | St. Louis | 267 | $2.2 million | 22 |
| 65041 | Hermann | Gasconade | 263 | $4.2 million | 32 |
| 63801 | Sikeston | Scott | 262 | $1.7 million | 22 |
| 64130 | Kansas City | Jackson | 261 | $5.0 million | 7 |
| 63330 | Annada | Pike | 252 | $2.6 million | 41 |
| 63051 | House Springs | Jefferson | 248 | $3.1 million | 34 |
| 63935 | Doniphan | Ripley | 244 | $12.9 million | 82 |
| 63005 | Chesterfield | St. Louis | 240 | $21.4 million | 5 |
| 63775 | Perryville | Perry | 220 | $4.1 million | 6 |
| 63353 | Louisiana | Pike | 216 | $2.8 million | 31 |
| 63673 | Saint Mary | Ste. Genevieve | 198 | $1.3 million | 4 |
| 64129 | Kansas City | Jackson | 188 | $4.1 million | 0 |
| 63074 | Saint Ann | St. Louis | 186 | $2.4 million | 37 |
| 64052 | Independence | Jackson | 184 | $1.5 million | 18 |
| 63050 | Hillsboro | Jefferson | 184 | $2.5 million | 11 |
| 63012 | Barnhart | Jefferson | 182 | $3.7 million | 9 |
| 63845 | East Prairie | Mississippi | 182 | $3.9 million | 2 |
| 64119 | Kansas City | Clay | 182 | $3.4 million | 26 |
| 65616 | Branson | Taney | 180 | $8.2 million | 34 |
| 63137 | Saint Louis | St. Louis | 179 | $2.1 million | 10 |
| 63121 | Saint Louis | St. Louis | 178 | $768,494 | 20 |
| 65401 | Rolla | Phelps | 172 | $4.9 million | 14 |
| 64118 | Kansas City | Clay | 170 | $1.1 million | 11 |
| 63143 | Saint Louis | St. Louis | 163 | $1.4 million | 23 |
| 64024 | Excelsior Springs | Clay | 157 | $3.3 million | 6 |
| 63023 | Dittmer | Jefferson | 156 | $2.6 million | 24 |
| 63033 | Florissant | St. Louis | 155 | $661,567 | 13 |
| 65672 | Hollister | Taney | 155 | $9.1 million | 26 |
| 63020 | De Soto | Jefferson | 150 | $2.5 million | 9 |
| 64633 | Carrollton | Carroll | 146 | $3.2 million | 26 |
| 63132 | Saint Louis | St. Louis | 145 | $770,168 | 23 |
| 63077 | Saint Clair | Franklin | 142 | $2.7 million | 27 |
| 64108 | Kansas City | Jackson | 140 | $11.3 million | 11 |
| 63127 | Saint Louis | St. Louis | 140 | $3.8 million | 10 |
| 63028 | Festus | Jefferson | 138 | $2.5 million | 4 |
| 64114 | Kansas City | Jackson | 138 | $5.3 million | 32 |
| 63645 | Fredericktown | Madison | 137 | $2.9 million | 9 |
| 65583 | Waynesville | Pulaski | 136 | $2.3 million | 18 |
| 63304 | Saint Charles | Saint Charles | 134 | $1.9 million | 27 |
| 63052 | Imperial | Jefferson | 132 | $1.6 million | 11 |
| 63021 | Ballwin | St. Louis | 130 | $1.6 million | 13 |
| 63116 | Saint Louis | St. Louis (city) | 123 | $682,809 | 8 |
| 63049 | High Ridge | Jefferson | 118 | $1.9 million | 25 |
| 64421 | Amazonia | Andrew | 116 | $3.7 million | 24 |
| 63011 | Ballwin | St. Louis | 114 | $3.2 million | 26 |
| 63965 | Van Buren | Carter | 111 | $5.3 million | 32 |
| 63119 | Saint Louis | St. Louis | 111 | $1.4 million | 34 |
| 65069 | Rhineland | Montgomery | 110 | $983,526 | 0 |
| 64133 | Kansas City | Jackson | 110 | $510,617 | 3 |
| 64035 | Hardin | Ray | 109 | $934,570 | 0 |
| 63131 | Saint Louis | St. Louis | 106 | $3.2 million | 14 |
| 63111 | Saint Louis | St. Louis (city) | 105 | $2.1 million | 5 |
| 64504 | Saint Joseph | Buchanan | 105 | $2.8 million | 29 |
| 63742 | Commerce | Scott | 105 | $865,805 | 0 |
| 65036 | Gasconade | Gasconade | 105 | $2.2 million | 15 |
| 63043 | Maryland Heights | St. Louis | 104 | $2.7 million | 16 |
| 64112 | Kansas City | Jackson | 104 | $626,959 | 2 |
| 63957 | Piedmont | Wayne | 103 | $2.6 million | 10 |
| 63084 | Union | Franklin | 103 | $3.8 million | 25 |
| 65203 | Columbia | Boone | 102 | $3.1 million | 11 |
| 65550 | Newburg | Phelps | 101 | $4.4 million | 18 |
| 65565 | Steelville | Crawford | 99 | $3.0 million | 31 |
| 63780 | Scott City | Scott | 97 | $1.6 million | 18 |
| 63089 | Villa Ridge | Franklin | 94 | $1.7 million | 13 |
| 64089 | Smithville | Clay | 92 | $603,647 | 2 |
| 63703 | Cape Girardeau | Cape Girardeau | 91 | $1.8 million | 1 |
| 63448 | La Grange | Lewis | 90 | $1.7 million | 12 |
| 63141 | Saint Louis | St. Louis | 89 | $1.2 million | 13 |
| 63138 | Saint Louis | St. Louis | 89 | $766,365 | 3 |
| 63471 | Taylor | Marion | 88 | $4.8 million | 0 |
| 64850 | Neosho | Newton | 86 | $1.9 million | 52 |
| 63830 | Caruthersville | Pemiscot | 85 | $381,940 | 1 |
| 63133 | Saint Louis | St. Louis | 84 | $3.7 million | 30 |
| 63638 | Ellington | Reynolds | 83 | $2.3 million | 20 |
| 63430 | Alexandria | Clark | 83 | $2.8 million | 12 |
| 63461 | Palmyra | Marion | 82 | $1.5 million | 10 |
| 63379 | Troy | Lincoln | 82 | $1.1 million | 11 |
| 63302 | Saint Charles | Saint Charles | 82 | $749,101 | 0 |
| 63017 | Chesterfield | St. Louis | 81 | $2.6 million | 4 |
| 65024 | Chamois | Osage | 79 | $704,802 | 5 |
| 63357 | Marthasville | Warren | 79 | $1.2 million | 3 |
| 64117 | Kansas City | Clay | 77 | $595,101 | 4 |
| 64080 | Pleasant Hill | Cass | 75 | $377,330 | 3 |
| 63044 | Bridgeton | St. Louis | 75 | $1.9 million | 4 |
| 64126 | Kansas City | Jackson | 74 | $4.4 million | 0 |
| 63435 | Canton | Lewis | 74 | $6.6 million | 24 |
| 65529 | Jerome | Phelps | 72 | $3.7 million | 15 |
| 63862 | Lilbourn | New Madrid | 72 | $1.9 million | 5 |
| 63377 | Silex | Lincoln | 71 | $1.6 million | 0 |
| 64505 | Saint Joseph | Buchanan | 71 | $5.2 million | 16 |
| 64804 | Joplin | Jasper | 71 | $2.3 million | 20 |
| 64120 | Kansas City | Jackson | 69 | $692,887 | 8 |
| 65109 | Jefferson City | Cole | 67 | $2.0 million | 15 |
| 63126 | Saint Louis | St. Louis | 66 | $1.3 million | 15 |
| 64801 | Joplin | Jasper | 65 | $962,125 | 17 |
| 64150 | Riverside | Platte | 62 | $7.2 million | 0 |
| 63764 | Marble Hill | Bollinger | 62 | $1.6 million | 5 |
| 64138 | Kansas City | Jackson | 62 | $303,582 | 7 |
| 65775 | West Plains | Howell | 61 | $3.5 million | 42 |
| 64152 | Kansas City | Platte | 61 | $547,396 | 15 |
| 63755 | Jackson | Cape Girardeau | 61 | $454,877 | 1 |
| 64078 | Peculiar | Cass | 60 | $1.1 million | 19 |
| 64831 | Anderson | McDonald | 59 | $3.0 million | 40 |
| 65708 | Monett | Barry | 59 | $2.3 million | 10 |
| 63869 | New Madrid | New Madrid | 59 | $387,841 | 2 |
| 64746 | Freeman | Cass | 58 | $1.1 million | 14 |
| 63967 | Williamsville | Wayne | 57 | $2.3 million | 18 |
| 63146 | Saint Louis | St. Louis | 57 | $1.5 million | 19 |
| 63048 | Herculaneum | Jefferson | 57 | $1.2 million | 8 |
| 63628 | Bonne Terre | St. Francois | 55 | $1.8 million | 20 |
| 63080 | Sullivan | Franklin | 52 | $3.2 million | 13 |
| 63090 | Washington | Franklin | 51 | $2.7 million | 2 |
| 64446 | Fairfax | Atchison | 51 | $1.4 million | 8 |
| 64501 | Saint Joseph | Buchanan | 50 | $962,773 | 4 |
| 64012 | Belton | Cass | 50 | $763,973 | 8 |
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Official FEMA flood zone, elevation and claims history for one property.
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.