ZIP 65401
Phelps County, MO

The heaviest year

1998 is the heaviest year on file: 31 paid claims, 18.0% of the ZIP's total. The rest is spread across the other 23 years on file. The largest named event in the record is Early winter storms, with 22 claims.

14 of those claims — 8.1% — were filed since 2017. The bulk of this ZIP's record is older than that.

Named event	Paid claims	Share of record
Early winter storms	22	12.8%
March storm	11	6.4%
Late spring severe storms	10	5.8%

Where the claims sat on the map

Of the 171 claims here that record a rated flood zone, 39 — 22.8% — were on properties rated outside the mapped high-risk area, in a B, C or X zone. Claims here concentrate inside the mapped high-risk area, which is what the maps intend. Flood insurance is not required outside the high-risk zone, and most properties there do not carry it — so these counts come from the minority who did.

The water near this ZIP

The closest gauges publishing official flood thresholds are Little Piney Creek at Newburg (7.4 mi), Gasconade River at Jerome (11.6 mi) and Big Piney at Ft. Wood - East Gate (18.5 mi). A gauge describes one point on one river — it will not see street drainage, sewer backup, storm surge or flash flooding.

Read current gauge conditions for 65401 →

What this does not say

These are paid National Flood Insurance Program claims, nothing more. They count insured properties whose owners filed and were paid, so they are a floor on how often this ZIP has flooded — never a measure of how likely it is to flood next. Uninsured flooding leaves no trace here at all.

The figures are aggregates published by FEMA. No individual claim, address or policyholder appears on this page or in the data behind it. Nothing here is a forecast, a warning, or advice about insurance.