Missouri
flood insurance data

NFIP premiums in Missouri

NFIP premiums: what NFIP policyholders paid, not a quote. Across 11,043 policies (policies effective 2025; occupancy: residential (occupancyType 1,2,3,11,12,13,14); amount: FEMA field policyCost), the median is $1,075, and half of them fall between $667 (Q1) and $1,541 (Q3).

Inside the Special Flood Hazard Area (SFHA), the median premium in Missouri is $1,117, 14.1% higher than outside it ($979); most of its zoned policies sit inside the SFHA (72.6%).

By flood zone

Policies in force by year

Base of each count: the yearly figures are FEMA API counts of residential policy terms, every premium included; the median and quartiles rest on the policies effective 2025 with a positive policyCost. For 2025 both bases count 11,043 policies.

NFIP paid building claims in Missouri

NFIP claims: amounts paid, not repair cost. Window: year of loss 2015-2024; 6,293 paid claims; median $20,071, half of them between $6,536 (Q1) and $50,562 (Q3), in nominal dollars. Median in 2024 dollars (CPI-U): $24,929, a monetary adjustment, not today’s cost of repair.

With 6,293 paid claims (year of loss 2015-2024), Missouri has the 9th most of 53 States and territories. The paid claims are spread over the years (year of loss 2015-2024): the busiest, 2015, holds 25.9% of them. The named event with the most paid claims in Missouri, Early winter storms, accounts for 20.3% of them, ahead of Late spring severe storms (19.1%): no single event holds a majority.

Paid claims by year of loss

FEMA disaster declarations

Since 2000: 49 flood, hurricane and severe-storm declarations (DR and EM) covering Missouri, 44 of them major disaster declarations.

Latest declarations

• DR-4939: SEVERE STORMS, STRAIGHT-LINE WINDS, AND FLOODING (Severe Storm, 2026-09-01)
• DR-4929: SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING (Severe Storm, 2026-08-03)
• DR-4924: SEVERE STORMS, TORNADOES, AND FLOODING (Severe Storm, 2026-06-30)
• DR-4885: SEVERE STORMS AND FLOODING (Severe Storm, 2025-07-22)
• DR-4877: SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING (Severe Storm, 2025-06-09)

FEMA assistance to homeowners

Since 2002: 46,874 owner registrations inspected by FEMA in Missouri after disasters of every declared type; inspected damage is FEMA’s assessment for its assistance program, not repair cost.

Of the 46,874 owner registrations FEMA inspected in Missouri after disasters of every declared type, 4.4% show more than $30,000 of FEMA-inspected damage, against 2.6% nationally. The disaster with the most inspections is DR-4665, SEVERE STORMS AND FLOODING (declared 2022-08-08), with 12,478.

Disasters with the most inspections

• DR-4665, SEVERE STORMS AND FLOODING (declared 2022-08-08): 12,478 inspections
• DR-4877, SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING (declared 2025-06-09): 5,477 inspections
• DR-1980, SEVERE STORMS, TORNADOES, AND FLOODING (declared 2011-05-09): 4,432 inspections
• DR-1749, SEVERE STORMS AND FLOODING (declared 2008-03-19): 4,070 inspections
• DR-4250, SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND FLOODING (declared 2016-01-21): 3,206 inspections

NFIP communities and flood maps

FEMA’s Community Status Book lists 888 NFIP communities in Missouri: 694 participate in the NFIP and 15 (1.7%) are classed in the Community Rating System (CRS). The best class among the communities counted here is 6 (Platte County* and ST. Charles County *): FEMA applies its CRS discount to the full-risk premium of Regular Program NFIP policies in those communities, inside or outside the SFHA, not to the whole state; a policy can be excluded if its building does not comply with local floodplain rules. The oldest flood map still in effect in Missouri dates from 1974-04-05 (Mary Ridge, Village of). 194 of these communities do not participate in the NFIP; 194 carry a sanction, 6 coded as a suspension and 1 as a withdrawal.

Questions about flood insurance in Missouri

How much is flood insurance in Missouri?

NFIP policyholders in Missouri paid a median of $1,075 for residential policies effective 2025 (11,043 policies; FEMA field policyCost: premium, reserve fund assessment, federal policy fee and HFIAA surcharge); half paid between $667 and $1,541; $1,117 inside the Special Flood Hazard Area against $979 outside it: what NFIP policyholders paid, not a quote.

How many flood insurance claims has Missouri had?

6,293 NFIP building claims were paid (year of loss 2015-2024), with a median of $20,071; the year with the most was 2015 (1,628), and the named event with the most was Early winter storms (1,277). These are amounts paid, not repair cost.

Is Missouri in a flood zone?

Of the residential NFIP policies of Missouri (policies effective 2025), 8,007 are rated inside the Special Flood Hazard Area and 3,018 outside it (zones listed: AE, X, AH, A, AO), but these aggregates cannot tell the flood zone of an address: FEMA’s Flood Map Service Center shows it for a given property.

Named storms with paid claims in Missouri

• Hurricane Ike

Related tools

NFIP paid claims and premiums are not repair estimates: to estimate the cleanup of a flooded basement from published cost-guide rates, use the basement water damage repair cost calculator; for water removal and drying after any water loss, the water damage and mitigation calculator.

To set these figures against every State on one claims window, amounts paid, not repair cost: NFIP paid building claims by state.

Before using these figures

A state figure mixes very different counties and flood zones. Method and limits.

Source and notice

• 0 residential 2025 policies with policyCost <= 0 or empty are left out; 18 kept policies have zone D or an unknown zone (in n, not in the zone tables).

This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).