Flood Claims Map

Missouri

Flood insurance claims in St. Louis County, Missouri

FEMA records 12,031 National Flood Insurance Program claims in St. Louis County, Missouri, since 1978, with $264.8 million paid in total. The year with the most claims was 1993, with 1,967. As of 3 August 2026, 0.6% of homes here had an NFIP policy, and 33.9% of homes in the high-risk flood zone did.

NFIP claims on record12,031
Total paid$264.8 million
Claims with a payment9,937
Homes with NFIP policy0.6%
High-risk zone homes insured33.9%
Residential policies in force2,070

Claims by year of loss

1978: 15719781979: 1,0991980: 651981: 2311982: 1,21019821983: 9131984: 1191985: 7241986: 34819861987: 311988: 91989: 151990: 19519901991: 1031992: 441993: 1,9671994: 71419941995: 4691996: 2091997: 91998: 7319981999: 642000: 572001: 172002: 7520022003: 592004: 822005: 312006: 720062007: 62008: 9882009: 532010: 3320102011: 792012: 62013: 762014: 3920142015: 3642016: 632017: 2072018: 920182019: 1082020: 1122021: 62022: 59220222023: 172024: 1522025: 192026: 620261,967

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

1978: $276,98819781979: $6.2 million1980: $145,6281981: $536,4961982: $12.9 million19821983: $4.3 million1984: $212,8451985: $2.5 million1986: $1.5 million19861987: $56,7241988: $01989: $3,1301990: $456,33519901991: $1.9 million1992: $53,4931993: $51.1 million1994: $17.9 million19941995: $4.1 million1996: $2.2 million1997: $16,4581998: $295,58319981999: $1.1 million2000: $1.0 million2001: $88,3442002: $139,42320022003: $947,1012004: $1.8 million2005: $390,8882006: $19,44320062007: $97,9752008: $40.2 million2009: $215,7892010: $199,71620102011: $2.1 million2012: $02013: $1.5 million2014: $459,90820142015: $25.8 million2016: $3.9 million2017: $13.5 million2018: $26,02820182019: $3.6 million2020: $8.4 million2021: $37,8692022: $44.5 million20222023: $410,6952024: $7.6 million2025: $124,0742026: $10,4732026$51.1 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding1,769
Midwest Flooding844
Hurricane Ike801
Not a named storm753
Late July Flooding495
Early winter storms297
Late spring severe storms187
March storm84

ZIP codes with the most claims

ZIP code (as reported)Claims
630882,241
631301,105
63026823
63144675
63129555
63128537
63025525
63135360
63031359
63042358

9,458 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $182.4 million, contents $82.2 million, increased cost of compliance $212,962.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone3,4701,17833.9%
All homes360,9862,0700.6%

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.