Flood Claims Map

Missouri

Flood insurance claims in Franklin County, Missouri

FEMA records 1,097 National Flood Insurance Program claims in Franklin County, Missouri, since 1978, with $32.2 million paid in total. The year with the most claims was 2015, with 204. As of 3 August 2026, 0.3% of homes here had an NFIP policy, and 13.9% of homes in the high-risk flood zone did.

NFIP claims on record1,097
Total paid$32.2 million
Claims with a payment975
Homes with NFIP policy0.3%
High-risk zone homes insured13.9%
Residential policies in force156

Claims by year of loss

1978: 219781979: 111980: 01981: 01982: 5219821983: 191984: 21985: 431986: 719861987: 21988: 11989: 01990: 219901991: 01992: 31993: 731994: 17419941995: 181996: 51997: 41998: 2219981999: 02000: 592001: 22002: 220022003: 42004: 12005: 32006: 020062007: 02008: 1872009: 32010: 120102011: 42012: 02013: 22014: 420142015: 2042016: 32017: 1532018: 020182019: 42020: 02021: 02022: 020222023: 12024: 182025: 12026: 12026204

NFIP claims by year of loss, Franklin County, Missouri

1978: $54319781979: $38,8421980: $01981: $01982: $727,38519821983: $60,3591984: $5,3241985: $101,5971986: $49,98219861987: $13,0191988: $6,5501989: $01990: $33,00019901991: $01992: $34,0741993: $734,3221994: $1.7 million19941995: $102,7231996: $16,1001997: $17,3291998: $100,86119981999: $02000: $3.5 million2001: $13,0382002: $020022003: $97,7662004: $4462005: $31,4392006: $020062007: $02008: $6.1 million2009: $7,1832010: $020102011: $58,3862012: $02013: $3,1452014: $7,71920142015: $10.2 million2016: $27,2642017: $7.6 million2018: $020182019: $6,5992020: $02021: $02022: $020222023: $1,5252024: $777,1582025: $02026: $02026$10.2 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding219
Early winter storms203
March storm159
Late spring severe storms153
Not a named storm50
Midwest Flooding33
Mid-spring storms2
Late spring storms1

ZIP codes with the most claims

ZIP code (as reported)Claims
63069494
63077139
6308498
6308992
6308052
6309047
6307242
6302529
6307921
6303918

919 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $25.4 million, contents $5.6 million, increased cost of compliance $1.3 million.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone80411213.9%
All homes45,4301560.3%

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.