Flood history · Bonne Terre, MO 63628
Flood insurance claims in Bonne Terre, MO 63628
55 claims since 1985 and $1.8 million 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 63628 since 1978.
What the record says
Almost all claims here (92%) were on properties in high-risk zones (A or V). In those zones, federally regulated lenders require flood insurance.
Losses are spread across many events; the largest, Late spring severe storms, accounts for 13% of claims.
Flooding here is recent: 20 claims (36%) were in the last 10 years.
The most commonly recorded cause is rivers, streams or lakes overflowing.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| Late spring severe storms | 2017 | 7 | 13% |
| March storm | 2008 | 4 | 7% |
| Unnamed flooding | 1985 | 3 | 5% |
| Early winter storms | 2015 | 3 | 5% |
| Mid-spring storms | 2011 | 1 | 2% |
| Central U.S. April Flooding | 2025 | 1 | 2% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in St. Francois County
Flood, hurricane and storm declarations since 2000.
13 flood, storm or hurricane declarations for St. Francois County since 2000.
Check a specific address in Bonne Terre.
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.