Flood Claims Map

Missouri

Flood insurance claims in Jackson County, Missouri

FEMA records 2,115 National Flood Insurance Program claims in Jackson County, Missouri, since 1978, with $45.7 million paid in total. The year with the most claims was 1982, with 442. As of 3 August 2026, 0.2% of homes here had an NFIP policy, and 31.1% of homes in the high-risk flood zone did.

NFIP claims on record2,115
Total paid$45.7 million
Claims with a payment1,662
Homes with NFIP policy0.2%
High-risk zone homes insured31.1%
Residential policies in force527

Claims by year of loss

1978: 719781979: 701980: 71981: 591982: 44219821983: 761984: 1261985: 221986: 7419861987: 71988: 11989: 81990: 21219901991: 01992: 51993: 1971994: 1319941995: 821996: 11997: 11998: 19519981999: 442000: 22001: 342002: 1720022003: 82004: 682005: 22006: 120062007: 272008: 222009: 32010: 3320102011: 42012: 42013: 162014: 420142015: 132016: 172017: 1062018: 2420182019: 212020: 112021: 12022: 020222023: 12024: 92025: 162026: 22026442

NFIP claims by year of loss, Jackson County, Missouri

1978: $17,58019781979: $228,2941980: $8,2591981: $127,0111982: $3.6 million19821983: $731,7351984: $2.0 million1985: $10,7371986: $834,66619861987: $45,9751988: $01989: $16,5461990: $9.0 million19901991: $01992: $37,0111993: $5.3 million1994: $237,82619941995: $1.1 million1996: $01997: $5961998: $8.2 million19981999: $444,1952000: $9,4162001: $273,7132002: $64,93420022003: $51,3512004: $346,0602005: $4,5992006: $108,98620062007: $287,9272008: $1.5 million2009: $10,1062010: $1.2 million20102011: $60,9332012: $2,8672013: $246,1942014: $5,65720142015: $376,7192016: $859,9302017: $5.5 million2018: $1.1 million20182019: $902,9922020: $88,4782021: $02022: $020222023: $58,8122024: $111,6742025: $598,5942026: $02026$9.0 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding406
Not a named storm392
Midwest Flooding184
Late spring storms3
Hurricane Ike3
March storm1
Mid-spring storms1
Late spring severe storms1

ZIP codes with the most claims

ZIP code (as reported)Claims
64130261
64129187
64052184
64108138
64114136
64133106
64112104
6412674
6412069
6413861

1,182 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $22.2 million, contents $23.5 million, increased cost of compliance $35,120.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1,06833231.1%
All homes245,7325270.2%

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.