Flood Claims Map

Missouri

Flood insurance claims in Osage County, Missouri

FEMA records 180 National Flood Insurance Program claims in Osage County, Missouri, since 1978, with $3.4 million paid in total. The year with the most claims was 1993, with 47. As of 3 August 2026, 0.4% of homes here had an NFIP policy, and 7.7% of homes in the high-risk flood zone did.

NFIP claims on record180
Total paid$3.4 million
Claims with a payment159
Homes with NFIP policy0.4%
High-risk zone homes insured7.7%
Residential policies in force34

Claims by year of loss

1978: 119781979: 11980: 01981: 01982: 119821983: 01984: 01985: 11986: 719861987: 01988: 01989: 01990: 419901991: 01992: 01993: 471994: 519941995: 291996: 11997: 01998: 119981999: 02000: 02001: 12002: 020022003: 02004: 02005: 12006: 020062007: 02008: 162009: 02010: 020102011: 42012: 02013: 182014: 220142015: 152016: 02017: 172018: 020182019: 62020: 02021: 02022: 120222023: 02024: 02025: 147

NFIP claims by year of loss, Osage County, Missouri

1978: $019781979: $01980: $01981: $01982: $94519821983: $01984: $01985: $3,4951986: $58,32619861987: $01988: $01989: $01990: $8,52719901991: $01992: $01993: $763,5901994: $1,60419941995: $182,7011996: $2311997: $01998: $43819981999: $02000: $02001: $9292002: $020022003: $02004: $02005: $9,6322006: $020062007: $02008: $541,5922009: $02010: $020102011: $31,1382012: $02013: $611,2612014: $4,00120142015: $366,0632016: $02017: $722,0842018: $020182019: $63,0682020: $02021: $02022: $10,35820222023: $02024: $02025: $0$763,590

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding45
Midwest Flooding39
Late spring severe storms17
Early winter storms14
March storm13
Mid-spring storms3
Hurricane Ike2
Not a named storm2

ZIP codes with the most claims

ZIP code (as reported)Claims
6502474
6505139
6501624
6501411
650859
650138
650546
650223
654011
650761

138 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.8 million, contents $377,354, increased cost of compliance $243,826.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone392307.7%
All homes8,326340.4%

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

  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.