Flood insurance claims in Montgomery County, Missouri

FEMA records 126 National Flood Insurance Program claims in Montgomery County, Missouri, since 1980, with $1.3 million paid in total. The year with the most claims was 1993, with 85. As of 3 August 2026, 0.1% of homes here had an NFIP policy, and 2.4% of homes in the high-risk flood zone did.

NFIP claims on record126

Total paid$1.3 million

Claims with a payment105

Homes with NFIP policy0.1%

High-risk zone homes insured2.4%

Residential policies in force5

Claims by year of loss

NFIP claims by year of loss, Montgomery County, Missouri

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

Named flood events with the most claims

Event (FEMA name)	Claims
Midwest Flooding	76
Flooding	29
Mid-spring storms	1
Hurricane Ike	1
March storm	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
65069	109
65041	9
63361	4
63383	2
63363	1
63333	1

122 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.1 million, contents $192,260, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	123	3	2.4%
All homes	7,164	5	0.1%

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

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.