Flood Claims Map

Missouri

Flood insurance claims in Cole County, Missouri

FEMA records 416 National Flood Insurance Program claims in Cole County, Missouri, since 1979, with $7.6 million paid in total. The year with the most claims was 1993, with 96. As of 3 August 2026, 0.3% of homes here had an NFIP policy, and 16.2% of homes in the high-risk flood zone did.

NFIP claims on record416
Total paid$7.6 million
Claims with a payment369
Homes with NFIP policy0.3%
High-risk zone homes insured16.2%
Residential policies in force83

Claims by year of loss

1979: 119791980: 01981: 31982: 41983: 1319831984: 01985: 111986: 271987: 319871988: 01989: 01990: 171991: 019911992: 31993: 961994: 261995: 5019951996: 11997: 21998: 141999: 219992000: 02001: 82002: 32003: 020032004: 12005: 12006: 02007: 520072008: 102009: 42010: 62011: 320112012: 02013: 102014: 22015: 2220152016: 132017: 92018: 02019: 2620192020: 82021: 102022: 12023: 020232024: 196

NFIP claims by year of loss, Cole County, Missouri

1979: $30,00019791980: $01981: $6091982: $26,4611983: $23,32519831984: $01985: $107,5561986: $228,3061987: $9,01519871988: $01989: $01990: $55,4191991: $019911992: $11,6691993: $2.3 million1994: $97,4931995: $737,12619951996: $62,2231997: $44,3371998: $183,2791999: $58,14719992000: $02001: $97,9232002: $62,9022003: $020032004: $4,0142005: $61,6262006: $02007: $54,59420072008: $130,9512009: $86,3462010: $24,9592011: $020112012: $02013: $134,3802014: $80,7062015: $225,88120152016: $935,2472017: $86,6032018: $02019: $1.1 million20192020: $189,3072021: $316,1522022: $02023: $020232024: $4,367$2.3 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding120
Midwest Flooding84
Early winter storms16
Late spring severe storms9
Hurricane Ike8
Not a named storm3
Late spring storms2

ZIP codes with the most claims

ZIP code (as reported)Claims
65101275
6510964
6502259
653022
651021
651221
650741
650401
630501
651071

346 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $6.3 million, contents $1.2 million, increased cost of compliance $30,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone4136716.2%
All homes28,702830.3%

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

  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.