Flood insurance claims in St. Louis city, Missouri

FEMA records 739 National Flood Insurance Program claims in St. Louis city, Missouri, since 1978, with $10.1 million paid in total. The year with the most claims was 1993, with 280. As of 3 August 2026, 0.1% of homes here had an NFIP policy.

NFIP claims on record739

Total paid$10.1 million

Claims with a payment561

Homes with NFIP policy0.1%

High-risk zone homes insuredn/a

Residential policies in force135

Claims by year of loss

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

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

Named flood events with the most claims

Event (FEMA name)	Claims
Midwest Flooding	238
Flooding	58
Not a named storm	39
Late July Flooding	18
Hurricane Ike	12
Early winter storms	10
Late spring storms	4
March storm	2

ZIP codes with the most claims

ZIP code (as reported)	Claims
63123	123
63116	115
63111	104
63125	48
63102	42
63147	40
63143	39
63109	29
63118	19
63139	16

426 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $7.6 million, contents $2.5 million, increased cost of compliance $15,002.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	0	54	n/a
All homes	97,837	135	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.