Flood Claims Map

Missouri

Flood insurance claims in Lincoln County, Missouri

FEMA records 2,253 National Flood Insurance Program claims in Lincoln County, Missouri, since 1979, with $37.1 million paid in total. The year with the most claims was 1993, with 511. As of 3 August 2026, 0.6% of homes here had an NFIP policy, and 11.5% of homes in the high-risk flood zone did.

NFIP claims on record2,253
Total paid$37.1 million
Claims with a payment1,991
Homes with NFIP policy0.6%
High-risk zone homes insured11.5%
Residential policies in force167

Claims by year of loss

1979: 2619791980: 01981: 01982: 1401983: 11419831984: 41985: 271986: 721987: 019871988: 01989: 01990: 491991: 1619911992: 71993: 5111994: 431995: 6519951996: 421997: 201998: 281999: 1719992000: 122001: 662002: 262003: 320032004: 42005: 12006: 02007: 720072008: 2962009: 272010: 372011: 2520112012: 02013: 872014: 362015: 12320152016: 112017: 222018: 392019: 17620192020: 242021: 92022: 82023: 620232024: 142025: 92026: 4511

NFIP claims by year of loss, Lincoln County, Missouri

1979: $88,47919791980: $01981: $01982: $861,3431983: $491,05719831984: $4,3621985: $85,7381986: $331,0431987: $019871988: $01989: $01990: $308,3101991: $13,65919911992: $6,1011993: $11.9 million1994: $498,2321995: $445,23319951996: $131,2651997: $27,9731998: $70,0761999: $24,91419992000: $13,7862001: $1.1 million2002: $72,8002003: $13,07320032004: $3,9372005: $02006: $02007: $25,47720072008: $10.1 million2009: $70,3072010: $86,1082011: $101,14920112012: $02013: $810,6622014: $184,4962015: $1.6 million20152016: $25,5162017: $173,9872018: $138,5392019: $6.1 million20192020: $280,6542021: $156,7082022: $178,6572023: $92,16320232024: $141,3152025: $267,0012026: $60,392$11.9 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Midwest Flooding383
Flooding213
Not a named storm126
Hurricane Ike56
Early winter storms36
Late spring severe storms14
Late spring storms10
Late July Flooding5

ZIP codes with the most claims

ZIP code (as reported)Claims
63343757
63347443
63389433
63369302
6337982
6337770
6336229
6333014
653386
633446

1,973 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $28.4 million, contents $5.5 million, increased cost of compliance $3.3 million.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1,30915011.5%
All homes27,6531670.6%

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.