Flood Claims Map

Missouri

Flood insurance claims in Cape Girardeau County, Missouri

FEMA records 1,074 National Flood Insurance Program claims in Cape Girardeau County, Missouri, since 1978, with $11.2 million paid in total. The year with the most claims was 1986, with 201. As of 3 August 2026, 0.2% of homes here had an NFIP policy, and 6.9% of homes in the high-risk flood zone did.

NFIP claims on record1,074
Total paid$11.2 million
Claims with a payment931
Homes with NFIP policy0.2%
High-risk zone homes insured6.9%
Residential policies in force54

Claims by year of loss

1978: 219781979: 661980: 31981: 41982: 14219821983: 1491984: 251985: 341986: 20119861987: 01988: 01989: 41990: 919901991: 51992: 01993: 1071994: 1319941995: 781996: 41997: 231998: 019981999: 32000: 02001: 122002: 4320022003: 12004: 02005: 42006: 120062007: 02008: 422009: 12010: 020102011: 392012: 12013: 62014: 020142015: 232016: 162017: 82018: 120182019: 22020: 02021: 02022: 120222023: 02024: 02025: 1201

NFIP claims by year of loss, Cape Girardeau County, Missouri

1978: $5,40019781979: $270,7371980: $6311981: $1,3951982: $597,80819821983: $438,9421984: $98,1121985: $63,5311986: $3.2 million19861987: $01988: $01989: $8,6811990: $10,97919901991: $4,0721992: $01993: $1.5 million1994: $20,40419941995: $725,9911996: $3,4161997: $219,1741998: $019981999: $02000: $02001: $37,5662002: $333,11920022003: $2,6892004: $02005: $1,7482006: $1,54220062007: $02008: $774,1912009: $02010: $020102011: $562,5232012: $02013: $49,6172014: $020142015: $886,8582016: $1.2 million2017: $28,1202018: $9,82720182019: $18,7792020: $02021: $02022: $4,20120222023: $02024: $02025: $0$3.2 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding337
Midwest Flooding89
Not a named storm88
March storm40
Mid-spring storms38
Early winter storms34
Late spring severe storms6
Late spring storms1

ZIP codes with the most claims

ZIP code (as reported)Claims
63701772
6370391
6375557
6370229
6374021
6374521
6378519
6373917
637704
637802

872 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $7.6 million, contents $3.4 million, increased cost of compliance $120,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone536376.9%
All homes29,297540.2%

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.