Flood Claims Map

Missouri

Flood insurance claims in St. Charles County, Missouri

FEMA records 9,999 National Flood Insurance Program claims in St. Charles County, Missouri, since 1978, with $155.9 million paid in total. The year with the most claims was 1993, with 2,393. As of 3 August 2026, 0.8% of homes here had an NFIP policy, and 34.7% of homes in the high-risk flood zone did.

NFIP claims on record9,999
Total paid$155.9 million
Claims with a payment8,814
Homes with NFIP policy0.8%
High-risk zone homes insured34.7%
Residential policies in force1,076

Claims by year of loss

1978: 6119781979: 7411980: 21981: 961982: 80619821983: 8901984: 1181985: 3681986: 1,08319861987: 91988: 41989: 71990: 25019901991: 371992: 171993: 2,3931994: 4319941995: 4841996: 1521997: 421998: 9619981999: 312000: 252001: 1002002: 12220022003: 72004: 152005: 22006: 220062007: 22008: 4422009: 372010: 7020102011: 862012: 12013: 2242014: 4220142015: 2692016: 282017: 602018: 2820182019: 4742020: 582021: 132022: 13920222023: 22024: 132025: 22026: 620262,393

NFIP claims by year of loss, St. Charles County, Missouri

1978: $62,79819781979: $5.1 million1980: $6891981: $109,1501982: $3.5 million19821983: $4.2 million1984: $229,3101985: $1.3 million1986: $8.6 million19861987: $11,5011988: $4,0921989: $30,4541990: $1.1 million19901991: $70,5401992: $25,0161993: $60.5 million1994: $288,98219941995: $5.0 million1996: $767,0071997: $234,0551998: $628,80619981999: $263,4952000: $281,6122001: $1.2 million2002: $1.1 million20022003: $58,2582004: $68,3182005: $27,8832006: $020062007: $11,7852008: $15.1 million2009: $399,4822010: $843,84720102011: $3.1 million2012: $02013: $4.9 million2014: $832,20220142015: $5.2 million2016: $477,3332017: $1.1 million2018: $597,08720182019: $22.1 million2020: $840,3132021: $196,7282022: $4.8 million20222023: $20,7292024: $329,3852025: $69,8722026: $219,5612026$60.5 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding1,847
Midwest Flooding1,639
Not a named storm621
Early winter storms202
Late July Flooding130
Late spring severe storms53
Late spring storms53
Hurricane Ike40

ZIP codes with the most claims

ZIP code (as reported)Claims
633015,100
633861,914
633731,075
63376390
63303357
63366324
63304134
6330278
6303317
6336814

9,296 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $117.9 million, contents $34.1 million, increased cost of compliance $3.9 million.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone2,19876334.7%
All homes139,2081,0760.8%

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.