Flood history / Missouri
Missouri
flood claim history.
ZIP codes98100+ paid claims each
Paid claims39,1321978–2026
Total paid$753.1MNational Flood Insurance Program
Outside high-risk zone11%of claims with a rated zone
Across the 98 Missouri ZIP codes with at least 100 paid claims on file, the National Flood Insurance Program has paid $753.1M on 39,132 claims between 1978 and 2026. ZIP 63301 in St. Charles County carries the most at 5,266, 13.5% of the state total shown here.
The events driving the most paid claims across these ZIPs are Midwest Flooding (4,406 claims), Not a named storm (2,102 claims) and Hurricane Ike (768 claims).
11.4% of the claims here that record a rated flood zone were on properties outside the mapped high-risk area — the zone where flood insurance is optional and most owners go without it.
Claim volume tracks how many properties carried flood insurance as much as how often the water came up. A ZIP with a long insured history will out-file a comparable one where few owners were covered, so read each ZIP's own record rather than ranking them against each other.
Every Missouri ZIP code on file
| ZIP | County | Paid claims | Total paid | Heaviest year |
|---|---|---|---|---|
| 63301 | St. Charles County | 5,266 | $74.9M | 1993 1,297 |
| 63088 | St. Louis County | 2,250 | $35.1M | 1993 518 |
| 63386 | St. Charles County | 2,078 | $36.5M | 1993 461 |
| 63026 | St. Louis County | 1,311 | $26.9M | 1993 240 |
| 63010 | Jefferson County | 1,217 | $15.9M | 1982 212 |
| 63025 | Jefferson County | 1,208 | $17.4M | 1993 288 |
| 63373 | St. Charles County | 1,113 | $22.4M | 1993 272 |
| 63130 | St. Louis County | 1,112 | $17.9M | 2008 188 |
| 64437 | Holt County | 1,085 | $35.4M | 2011 283 |
| 63670 | Ste. Genevieve County | 998 | $5.8M | 1993 255 |
| 63343 | Lincoln County | 778 | $8.5M | 1993 87 |
| 63701 | Cape Girardeau County | 777 | $6.8M | 1986 150 |
| 63144 | St. Louis County | 675 | $48.9M | 1993 128 |
| 63128 | St. Louis County | 566 | $11.3M | 1993 94 |
| 63129 | St. Louis County | 560 | $6.9M | 1982 91 |
| 63069 | Franklin County | 534 | $16.8M | 2015 133 |
| 63016 | Jefferson County | 503 | $5.7M | 1993 76 |
| 63347 | Lincoln County | 468 | $8.0M | 1993 160 |
| 63336 | Pike County | 455 | $4.5M | 2008 52 |
| 63389 | Lincoln County | 437 | $11.2M | 1993 152 |
| 63376 | St. Charles County | 400 | $6.4M | 1993 95 |
| 63401 | Marion County | 389 | $5.4M | 1983 72 |
| 63125 | St. Louis County | 388 | $5.8M | 1993 147 |
| 64484 | Buchanan County | 386 | $15.8M | 2011 107 |
| 65101 | Cole County | 381 | $7.3M | 1993 81 |
| 63901 | Butler County | 373 | $6.8M | 2008 116 |
| 63031 | St. Louis County | 372 | $5.5M | 2008 102 |
| 63303 | St. Charles County | 364 | $4.1M | 1993 59 |
| 63135 | St. Louis County | 363 | $4.4M | 2008 76 |
| 63042 | St. Louis County | 360 | $22.4M | 2008 58 |
| 63019 | Jefferson County | 344 | $5.1M | 1983 72 |
| 63136 | St. Louis County | 339 | $918K | 1995 68 |
| 63366 | St. Charles County | 333 | $7.0M | 1993 78 |
| 63369 | Lincoln County | 312 | $5.1M | 1993 61 |
| 63124 | St. Louis County | 303 | $9.0M | 2008 54 |
| 64854 | McDonald County | 288 | $8.2M | 2011 50 |
| 63122 | St. Louis County | 285 | $10.3M | 1993 35 |
| 63114 | St. Louis County | 269 | $1.0M | 1982 65 |
| 63123 | St. Louis County | 267 | $2.2M | 1993 99 |
| 65041 | Gasconade County | 263 | $4.2M | 1993 66 |
| 63801 | Scott County | 262 | $1.7M | 2011 94 |
| 64130 | Jackson County | 261 | $5.0M | 1990 66 |
| 63330 | Pike County | 252 | $2.8M | 2008 53 |
| 63051 | Jefferson County | 248 | $3.1M | 2008 39 |
| 63935 | Ripley County | 244 | $12.9M | 2017 74 |
| 63005 | St. Louis County | 240 | $21.7M | 1993 208 |
| 63775 | Perry County | 220 | $4.1M | 1993 206 |
| 63353 | Pike County | 216 | $2.8M | 1993 31 |
| 63673 | Ste. Genevieve County | 198 | $1.3M | 1983 55 |
| 64129 | Jackson County | 188 | $4.1M | 1990 43 |
| 63074 | St. Louis County | 186 | $2.4M | 1982 22 |
| 63050 | Jefferson County | 184 | $2.5M | 1993 22 |
| 64052 | Jackson County | 184 | $1.5M | 1982 79 |
| 63012 | Jefferson County | 182 | $3.7M | 1979 24 |
| 63845 | Mississippi County | 182 | $3.9M | 2011 98 |
| 64119 | Clay County | 182 | $3.4M | 1982 55 |
| 65616 | Taney County | 180 | $8.4M | 2011 63 |
| 63137 | St. Louis County | 179 | $2.1M | 1993 55 |
| 63121 | St. Louis County | 178 | $770K | 1998 26 |
| 65401 | Phelps County | 172 | $4.9M | 1998 31 |
| 64118 | Clay County | 170 | $1.1M | 1982 47 |
| 63143 | St. Louis County | 163 | $1.4M | 1979 34 |
| 64024 | Clay County | 157 | $3.3M | 1993 34 |
| 63023 | Jefferson County | 156 | $2.6M | 2008 28 |
| 63033 | St. Louis County | 155 | $682K | 1979 40 |
| 65672 | Taney County | 155 | $9.2M | 2011 54 |
| 63020 | Jefferson County | 150 | $2.6M | 2013 32 |
| 64633 | Carroll County | 146 | $3.2M | 1993 28 |
| 63132 | St. Louis County | 145 | $770K | 1982 22 |
| 63077 | Franklin County | 142 | $2.8M | 2017 20 |
| 63127 | St. Louis County | 140 | $3.9M | 1993 31 |
| 64108 | Jackson County | 140 | $11.3M | 1998 38 |
| 63028 | Jefferson County | 138 | $2.5M | 1993 28 |
| 64114 | Jackson County | 138 | $5.3M | 2017 32 |
| 63645 | Madison County | 137 | $2.9M | 1999 51 |
| 65583 | Pulaski County | 136 | $2.3M | 2013 44 |
| 63304 | St. Charles County | 134 | $1.9M | 1993 22 |
| 63052 | Jefferson County | 132 | $1.6M | 1993 22 |
| 63021 | St. Louis County | 130 | $1.6M | 1993 20 |
| 63116 | St. Louis city | 123 | $683K | 1993 70 |
| 63049 | Jefferson County | 118 | $1.9M | 1993 19 |
| 64421 | Andrew County | 116 | $3.8M | 2011 27 |
| 63011 | St. Louis County | 114 | $3.2M | 1993 15 |
| 63119 | St. Louis County | 111 | $1.4M | 2022 20 |
| 63965 | Carter County | 111 | $5.4M | 2017 32 |
| 64133 | Jackson County | 110 | $511K | 1982 28 |
| 65069 | Montgomery County | 110 | $984K | 1993 82 |
| 64035 | Ray County | 109 | $935K | 1993 99 |
| 63131 | St. Louis County | 106 | $3.2M | 1979 14 |
| 63111 | St. Louis city | 105 | $2.1M | 1993 65 |
| 63742 | Scott County | 105 | $866K | 1993 27 |
| 64504 | Buchanan County | 105 | $2.9M | 1993 18 |
| 63043 | St. Louis County | 104 | $2.7M | 1993 20 |
| 64112 | Jackson County | 104 | $632K | 1982 23 |
| 63084 | Franklin County | 103 | $3.8M | 2017 22 |
| 63957 | Wayne County | 103 | $2.7M | 2008 50 |
| 65203 | Boone County | 102 | $3.1M | 1993 15 |
| 65550 | Phelps County | 101 | $4.6M | 2013 21 |
Only ZIP codes with at least 100 paid claims on file appear here. A ZIP missing from this table has a shorter record, not a clean one.