Flood insurance claims in Howell County, Missouri

FEMA records 75 National Flood Insurance Program claims in Howell County, Missouri, since 1979, with $3.6 million paid in total. The year with the most claims was 2017, with 47. As of 3 August 2026, 0.2% of homes here had an NFIP policy, and 7.8% of homes in the high-risk flood zone did.

NFIP claims on record75

Total paid$3.6 million

Claims with a payment64

Homes with NFIP policy0.2%

High-risk zone homes insured7.8%

Residential policies in force24

Claims by year of loss

NFIP claims by year of loss, Howell County, Missouri

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

Named flood events with the most claims

Event (FEMA name)	Claims
Late spring severe storms	45
Mid-spring storms	5
Central U.S. April Flooding	2
Not a named storm	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
65775	61
65793	13
65548	1

60 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.5 million, contents $1.1 million, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	245	19	7.8%
All homes	14,989	24	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.