Flood insurance claims in Howard County, Missouri

FEMA records 69 National Flood Insurance Program claims in Howard County, Missouri, since 1981, with $858,615 paid in total. The year with the most claims was 1993, with 22. As of 3 August 2026, 0.2% of homes here had an NFIP policy, and 5.5% of homes in the high-risk flood zone did.

NFIP claims on record69

Total paid$858,615

Claims with a payment51

Homes with NFIP policy0.2%

High-risk zone homes insured5.5%

Residential policies in force9

Claims by year of loss

NFIP claims by year of loss, Howard County, Missouri

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

Named flood events with the most claims

Event (FEMA name)	Claims
Midwest Flooding	19
Flooding	18
Late spring storms	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
65274	29
65250	28
63079	5
65248	1

46 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $736,975, contents $121,641, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	128	7	5.5%
All homes	5,428	9	0.2%

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

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.