Flood insurance claims in Madison County, Missouri

FEMA records 155 National Flood Insurance Program claims in Madison County, Missouri, since 1981, with $2.6 million paid in total. The year with the most claims was 1999, with 59. As of 3 August 2026, 0.4% of homes here had an NFIP policy, and 5.5% of homes in the high-risk flood zone did.

NFIP claims on record155

Total paid$2.6 million

Claims with a payment141

Homes with NFIP policy0.4%

High-risk zone homes insured5.5%

Residential policies in force25

Claims by year of loss

NFIP claims by year of loss, Madison County, Missouri

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	15
Not a named storm	5
March storm	2
Late spring severe storms	2

ZIP codes with the most claims

ZIP code (as reported)	Claims
63645	135
63655	20

95 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.2 million, contents $413,074, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	451	25	5.5%
All homes	6,880	25	0.4%

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.