Flood Claims Map

Missouri

Flood insurance claims in Callaway County, Missouri

FEMA records 316 National Flood Insurance Program claims in Callaway County, Missouri, since 1978, with $4.5 million paid in total. The year with the most claims was 1993, with 109. As of 3 August 2026, 0.1% of homes here had an NFIP policy, and 3.4% of homes in the high-risk flood zone did.

NFIP claims on record316
Total paid$4.5 million
Claims with a payment280
Homes with NFIP policy0.1%
High-risk zone homes insured3.4%
Residential policies in force28

Claims by year of loss

1978: 519781979: 11980: 01981: 51982: 1319821983: 121984: 01985: 81986: 2019861987: 01988: 01989: 01990: 1719901991: 01992: 11993: 1091994: 619941995: 651996: 01997: 11998: 519981999: 12000: 02001: 12002: 020022003: 02004: 02005: 02006: 120062007: 02008: 72009: 12010: 320102011: 12012: 12013: 22014: 220142015: 02016: 62017: 12018: 020182019: 182020: 12021: 2109

NFIP claims by year of loss, Callaway County, Missouri

1978: $38,81319781979: $6,7411980: $01981: $68,0001982: $25,69719821983: $30,6821984: $01985: $18,0321986: $162,41319861987: $01988: $01989: $01990: $65,71719901991: $01992: $01993: $2.0 million1994: $45,44519941995: $923,1081996: $01997: $1,7761998: $5,28419981999: $02000: $02001: $4,2302002: $020022003: $02004: $02005: $02006: $020062007: $02008: $62,6672009: $2812010: $14,88020102011: $1,0562012: $02013: $8,4182014: $4,76120142015: $02016: $53,6162017: $5,9092018: $020182019: $986,8112020: $02021: $0$2.0 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding113
Midwest Flooding97
Hurricane Ike6
Not a named storm4
Late spring severe storms1

ZIP codes with the most claims

ZIP code (as reported)Claims
65101104
6502257
6525146
6505945
6504318
6508010
650778
651024
633884
652313

272 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $3.6 million, contents $920,202, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone644223.4%
All homes24,424280.1%

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

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

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.