Flood Claims Map

Missouri

Flood insurance claims in Laclede County, Missouri

FEMA records 26 National Flood Insurance Program claims in Laclede County, Missouri, since 1986, with $653,763 paid in total. The year with the most claims was 2015, with 10. As of 3 August 2026, 0.1% of homes here had an NFIP policy, and 6.9% of homes in the high-risk flood zone did.

NFIP claims on record26
Total paid$653,763
Claims with a payment20
Homes with NFIP policy0.1%
High-risk zone homes insured6.9%
Residential policies in force18

Claims by year of loss

1986: 119861987: 01988: 01989: 019891990: 11991: 01992: 019921993: 01994: 01995: 019951996: 01997: 01998: 019981999: 02000: 02001: 020012002: 12003: 02004: 020042005: 12006: 02007: 020072008: 12009: 42010: 120102011: 12012: 12013: 120132014: 02015: 102016: 020162017: 12018: 02019: 020192020: 12021: 02022: 1202210

NFIP claims by year of loss, Laclede County, Missouri

1986: $019861987: $01988: $01989: $019891990: $4351991: $01992: $019921993: $01994: $01995: $019951996: $01997: $01998: $019981999: $02000: $02001: $020012002: $02003: $02004: $020042005: $8,5702006: $02007: $020072008: $83,7022009: $160,6412010: $020102011: $38,5402012: $11,5322013: $17,80620132014: $02015: $304,4832016: $020162017: $24,7452018: $02019: $020192020: $3,3082021: $02022: $02022$304,483

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

Named flood events with the most claims

Event (FEMA name)Claims
Early winter storms4
March storm1
Late spring severe storms1
Late spring storms1
Flooding1
Mid-spring storms1

ZIP codes with the most claims

ZIP code (as reported)Claims
6553620
654704
655561
654631

13 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $475,480, contents $178,283, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone13096.9%
All homes15,778180.1%

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.