Flood Claims Map

Missouri

Flood insurance claims in Scott County, Missouri

FEMA records 484 National Flood Insurance Program claims in Scott County, Missouri, since 1978, with $4.4 million paid in total. The year with the most claims was 2011, with 99. As of 3 August 2026, 4.1% of homes here had an NFIP policy, and 25.5% of homes in the high-risk flood zone did.

NFIP claims on record484
Total paid$4.4 million
Claims with a payment359
Homes with NFIP policy4.1%
High-risk zone homes insured25.5%
Residential policies in force665

Claims by year of loss

1978: 119781979: 201980: 11981: 31982: 2319821983: 341984: 11985: 11986: 1519861987: 01988: 11989: 181990: 119901991: 11992: 01993: 381994: 119941995: 241996: 11997: 121998: 119981999: 42000: 02001: 352002: 2420022003: 72004: 02005: 12006: 120062007: 52008: 332009: 22010: 120102011: 992012: 12013: 132014: 420142015: 72016: 82017: 62018: 120182019: 62020: 22021: 12022: 420222023: 92024: 12025: 102026: 2202699

NFIP claims by year of loss, Scott County, Missouri

1978: $1,09219781979: $131,1311980: $01981: $7,7971982: $108,43219821983: $70,2061984: $1,3071985: $5871986: $21,82119861987: $01988: $01989: $36,7121990: $019901991: $1,4581992: $01993: $483,7181994: $019941995: $373,1181996: $01997: $4,8341998: $1,03219981999: $14,2452000: $02001: $165,9392002: $121,66220022003: $17,2482004: $02005: $02006: $2,74620062007: $52,7822008: $217,1802009: $16,8032010: $020102011: $1.1 million2012: $02013: $152,8392014: $8,56120142015: $185,4672016: $98,5922017: $157,2372018: $7,86520182019: $244,3862020: $48,8582021: $02022: $31,40920222023: $247,1842024: $18,1952025: $225,7562026: $56,4382026$1.1 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Mid-spring storms96
Flooding42
Midwest Flooding32
March storm18
Not a named storm17
Central U.S. April Flooding8
Early winter storms7
Late spring severe storms5

ZIP codes with the most claims

ZIP code (as reported)Claims
63801246
6374298
6378095
637849
637409
637715
637544
638233
637363
637352

408 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $4.1 million, contents $277,188, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone2,54965025.5%
All homes16,1696654.1%

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

  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.