Flood insurance claims in Mississippi County, Missouri

FEMA records 212 National Flood Insurance Program claims in Mississippi County, Missouri, since 1978, with $4.4 million paid in total. The year with the most claims was 2011, with 119. As of 3 August 2026, 3.5% of homes here had an NFIP policy.

NFIP claims on record212

Total paid$4.4 million

Claims with a payment167

Homes with NFIP policy3.5%

High-risk zone homes insuredn/a

Residential policies in force217

Claims by year of loss

NFIP claims by year of loss, Mississippi County, Missouri

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

Named flood events with the most claims

Event (FEMA name)	Claims
Mid-spring storms	115
Late spring storms	2
Central U.S. April Flooding	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
63845	175
63834	24
63882	8
63823	3
63820	1

157 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $4.2 million, contents $143,762, increased cost of compliance $31,001.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	0	187	n/a
All homes	6,157	217	3.5%

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.