Flood Claims Map

Missouri

Flood insurance claims in Jefferson County, Missouri

FEMA records 4,592 National Flood Insurance Program claims in Jefferson County, Missouri, since 1978, with $69.3 million paid in total. The year with the most claims was 1993, with 792. As of 3 August 2026, 0.7% of homes here had an NFIP policy, and 19.5% of homes in the high-risk flood zone did.

NFIP claims on record4,592
Total paid$69.3 million
Claims with a payment3,916
Homes with NFIP policy0.7%
High-risk zone homes insured19.5%
Residential policies in force591

Claims by year of loss

1978: 2619781979: 3201980: 161981: 541982: 43819821983: 4251984: 361985: 2661986: 10619861987: 11988: 11989: 31990: 8419901991: 31992: 81993: 7921994: 34819941995: 1791996: 1251997: 181998: 2619981999: 112000: 822001: 72002: 4220022003: 632004: 72005: 272006: 920062007: 12008: 2902009: 462010: 220102011: 142012: 02013: 802014: 1220142015: 2422016: 412017: 1962018: 820182019: 312020: 92021: 62022: 2820222023: 32024: 562025: 32026: 12026792

NFIP claims by year of loss, Jefferson County, Missouri

1978: $38,20819781979: $2.2 million1980: $31,1651981: $142,2511982: $5.6 million19821983: $1.6 million1984: $40,0861985: $1.2 million1986: $538,54019861987: $4771988: $01989: $7,2021990: $373,85619901991: $30,5831992: $8,5861993: $15.0 million1994: $3.1 million19941995: $2.3 million1996: $892,3541997: $69,0001998: $192,09619981999: $19,9272000: $642,2392001: $31,6442002: $281,41020022003: $789,4732004: $19,4512005: $202,9482006: $37,48520062007: $7,6842008: $6.5 million2009: $435,3832010: $97920102011: $125,4852012: $02013: $1.9 million2014: $113,96820142015: $12.0 million2016: $796,4102017: $7.3 million2018: $41,59320182019: $1.6 million2020: $74,9732021: $177,4632022: $1.0 million20222023: $8,9392024: $1.8 million2025: $56,6802026: $9,3712026$15.0 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding690
Not a named storm388
Midwest Flooding341
Early winter storms200
Late spring severe storms192
March storm166
Hurricane Ike87
Mid-spring storms11

ZIP codes with the most claims

ZIP code (as reported)Claims
630101,168
63025638
63016497
63026488
63019343
63051248
63012181
63050176
63023156
63020150

3,565 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $55.9 million, contents $13.2 million, increased cost of compliance $254,402.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone2,39546619.5%
All homes87,2725910.7%

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.