Flood insurance claims in Audrain County, Missouri

FEMA records 60 National Flood Insurance Program claims in Audrain County, Missouri, since 1978, with $655,710 paid in total. The year with the most claims was 1981, with 14. As of 3 August 2026, 0.3% of homes here had an NFIP policy, and 19.1% of homes in the high-risk flood zone did.

NFIP claims on record60

Total paid$655,710

Claims with a payment38

Homes with NFIP policy0.3%

High-risk zone homes insured19.1%

Residential policies in force32

Claims by year of loss

NFIP claims by year of loss, Audrain County, Missouri

Paid on claims by year of loss (building, contents and increased cost of compliance), Audrain County, Missouri

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	5
Hurricane Ike	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
65265	45
63382	10

43 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $514,491, contents $141,218, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	157	30	19.1%
All homes	12,199	32	0.3%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.