Flood Claims Map

Missouri

Flood insurance claims in Stone County, Missouri

FEMA records 75 National Flood Insurance Program claims in Stone County, Missouri, since 1990, with $2.1 million paid in total. The year with the most claims was 2008, with 23. As of 3 August 2026, 0.2% of homes here had an NFIP policy, and 10.9% of homes in the high-risk flood zone did.

NFIP claims on record75
Total paid$2.1 million
Claims with a payment57
Homes with NFIP policy0.2%
High-risk zone homes insured10.9%
Residential policies in force50

Claims by year of loss

1990: 119901991: 01992: 11993: 119931994: 11995: 01996: 019961997: 01998: 01999: 019992000: 02001: 02002: 320022003: 02004: 02005: 020052006: 02007: 02008: 2320082009: 02010: 12011: 720112012: 02013: 02014: 020142015: 162016: 02017: 1620172018: 12019: 02020: 120202021: 323

NFIP claims by year of loss, Stone County, Missouri

1990: $1,29919901991: $01992: $3,1561993: $2,29419931994: $01995: $01996: $019961997: $01998: $01999: $019992000: $02001: $02002: $98,91720022003: $02004: $02005: $020052006: $02007: $02008: $742,80220082009: $02010: $02011: $109,92420112012: $02013: $02014: $020142015: $314,3082016: $02017: $777,38920172018: $21,1592019: $02020: $020202021: $60,306$777,389

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

Named flood events with the most claims

Event (FEMA name)Claims
Late spring severe storms16
March storm13
Early winter storms13
Mid-spring storms6
Hurricane Ike5
Midwest Flooding1

ZIP codes with the most claims

ZIP code (as reported)Claims
6565629
6573718
656339
656694
657282
656862
657572
657142
656812
657472

44 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.8 million, contents $255,504, increased cost of compliance $60,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone2753010.9%
All homes20,261500.2%

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.