Flood history · Commerce, MO 63742
Flood insurance claims in Commerce, MO 63742
105 claims since 1979 and $865,805 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 63742 since 1978.
What the record says
Almost all claims here (94%) 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, Midwest Flooding, accounts for 24% of claims.
No claims were recorded in the last 10 years. Older floods still show what the area can do.
The most commonly recorded cause is rivers, streams or lakes overflowing.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| Midwest Flooding | 1993 | 25 | 24% |
| Unnamed flooding | 1995 | 18 | 17% |
| Not a named storm | 1982 | 13 | 12% |
| Mid-spring storms | 2011 | 2 | 2% |
| Early winter storms | 2015 | 1 | 1% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in Scott County
Flood, hurricane and storm declarations since 2000.
21 flood, storm or hurricane declarations for Scott County since 2000.
Check a specific address in Commerce.
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.