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Flood insurance cost · MO

Flood insurance cost in Missouri

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 10,300 home policies in force on August 31, 2026.

MissouriPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,103a year

Half of insured homes paid between $666 and $1,580. That is about the same as the national median ($1,082). The most common flood zone for insured homes here is zone AE (48%).

$0$666 · $1,103 · $1,580$1,975
+8.8% vs Aug 31, 2025 (median $1,014)
10,300home policies in force
$1,330average cost (mean)
72%of insured homes in high-risk zones (A, V)
$166,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Disaster declarations: see FEMA declarations and IRS tax relief in Missouri, county by county.

Cost by flood zone in Missouri

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone AE
High risk		$1,422$998–$2,108$1,7374,941 (48%)+9.5%
Zone A
High risk		$1,024$676–$1,579$1,2751,076 (10%)+3.2%
Zone AO
High risk, shallow		$506$413–$633$57196 (1%)+3.1%
Zone AH
High risk, shallow		$516$440–$647$5861,344 (13%)+3.4%
Zone X
Moderate to low risk		$1,010$636–$1,269$1,0202,827 (27%)+9.2%
Zone D
Undetermined		$982$897–$1,215$1,43216 (0%)+17.5%

Not shown (fewer than 10 home policies): VE, A99/AR. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Missouri, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home9,364$1,106$1,330
2–4 unit building425$1,470$1,702
Manufactured (mobile) home312$816$1,093
Condo or apartment unit199$781$945
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		242$3,338$5,122
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		3,212$2,273$3,539
13,754NFIP policies in force, any building
14,258insured units (condo association policies count every unit)
55%of home policies also cover contents
$69,000median contents coverage, when bought

One year on: Missouri

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force10,96710,300−6.1%
Median annual cost$1,014$1,103+8.8%
Average annual cost$1,240$1,330+7.3%
All policies in force (any building)14,56813,754−5.6%

Flood claims history

Since 1978, NFIP policyholders in Missouri have filed 51,304 flood claims. 43,389 received a payment, for a total of $983.7 million (an average of $22,673 per paid claim). The year with the most claims was 1993 (9,045 claims). Amounts are in dollars of the time, not adjusted for inflation.

02.5k5k7.5k10k1978: 319 claims, 256 paid, $503,456 in total1979: 3,069 claims, 2,791 paid, $17,073,180 in total1980: 128 claims, 67 paid, $203,720 in total19801981: 648 claims, 525 paid, $1,586,083 in total1982: 4,294 claims, 3,801 paid, $34,156,359 in total19821983: 3,577 claims, 2,870 paid, $15,112,105 in total1984: 786 claims, 563 paid, $5,759,110 in total1985: 1,936 claims, 1,573 paid, $6,999,004 in total1986: 2,647 claims, 2,260 paid, $19,933,098 in total1987: 89 claims, 54 paid, $193,053 in total1988: 33 claims, 13 paid, $60,220 in total1989: 85 claims, 52 paid, $285,153 in total1990: 999 claims, 815 paid, $12,721,669 in total19901991: 224 claims, 184 paid, $2,183,993 in total1992: 155 claims, 111 paid, $562,959 in total1993: 9,045 claims, 7,962 paid, $208,462,798 in total19931994: 1,501 claims, 1,307 paid, $24,936,621 in total1995: 1,960 claims, 1,607 paid, $18,503,380 in total1996: 647 claims, 508 paid, $5,490,244 in total1997: 250 claims, 189 paid, $1,315,279 in total1998: 851 claims, 685 paid, $14,104,284 in total1999: 310 claims, 230 paid, $4,245,394 in total2000: 276 claims, 195 paid, $5,924,559 in total20002001: 441 claims, 348 paid, $4,829,036 in total2002: 656 claims, 497 paid, $6,266,961 in total2003: 190 claims, 143 paid, $2,447,431 in total2004: 253 claims, 195 paid, $3,277,368 in total2005: 115 claims, 81 paid, $1,116,974 in total2006: 88 claims, 72 paid, $1,415,582 in total2007: 420 claims, 372 paid, $11,426,641 in total2008: 3,581 claims, 3,167 paid, $113,441,420 in total20082009: 358 claims, 286 paid, $4,176,393 in total2010: 651 claims, 562 paid, $17,010,467 in total20102011: 1,730 claims, 1,421 paid, $53,063,109 in total2012: 28 claims, 11 paid, $55,294 in total2013: 934 claims, 796 paid, $19,988,798 in total2014: 293 claims, 213 paid, $3,699,444 in total2015: 1,982 claims, 1,665 paid, $82,771,841 in total2016: 299 claims, 222 paid, $10,134,085 in total2017: 1,600 claims, 1,441 paid, $80,044,896 in total2018: 173 claims, 136 paid, $2,640,915 in total2019: 1,775 claims, 1,581 paid, $74,561,655 in total2020: 273 claims, 215 paid, $11,231,475 in total20202021: 147 claims, 110 paid, $4,638,927 in total2022: 842 claims, 730 paid, $52,733,522 in total2023: 97 claims, 74 paid, $2,511,067 in total2024: 341 claims, 285 paid, $13,495,611 in total2025: 131 claims, 94 paid, $4,474,889 in total2026: 77 claims, 54 paid, $1,968,830 in total
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (49)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20267754$1,968,830$36,460
202513194$4,474,889$47,605
2024341285$13,495,611$47,353
20239774$2,511,067$33,933
2022842730$52,733,522$72,238
2021147110$4,638,927$42,172
2020273215$11,231,475$52,239
20191,7751,581$74,561,655$47,161
2018173136$2,640,915$19,418
20171,6001,441$80,044,896$55,548
2016299222$10,134,085$45,649
20151,9821,665$82,771,841$49,713
2014293213$3,699,444$17,368
2013934796$19,988,798$25,112
20122811$55,294$5,027
20111,7301,421$53,063,109$37,342
2010651562$17,010,467$30,268
2009358286$4,176,393$14,603
20083,5813,167$113,441,420$35,820
2007420372$11,426,641$30,717
20068872$1,415,582$19,661
200511581$1,116,974$13,790
2004253195$3,277,368$16,807
2003190143$2,447,431$17,115
2002656497$6,266,961$12,610
2001441348$4,829,036$13,877
2000276195$5,924,559$30,382
1999310230$4,245,394$18,458
1998851685$14,104,284$20,590
1997250189$1,315,279$6,959
1996647508$5,490,244$10,808
19951,9601,607$18,503,380$11,514
19941,5011,307$24,936,621$19,079
19939,0457,962$208,462,798$26,182
1992155111$562,959$5,072
1991224184$2,183,993$11,870
1990999815$12,721,669$15,609
19898552$285,153$5,484
19883313$60,220$4,632
19878954$193,053$3,575
19862,6472,260$19,933,098$8,820
19851,9361,573$6,999,004$4,449
1984786563$5,759,110$10,229
19833,5772,870$15,112,105$5,266
19824,2943,801$34,156,359$8,986
1981648525$1,586,083$3,021
198012867$203,720$3,041
19793,0692,791$17,073,180$6,117
1978319256$503,456$1,967

From 2016 to 2026: 5,755 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Counties in Missouri

Counties with at least 100 NFIP home policies in force have their own page.

Other counties (fewer policies, no separate page)
CountyHome policiesMedian
Andrew County29$1,254
Audrain County32$1,070
Barton County10$1,080
Benton County15$1,517
Bollinger County11$518
Callaway County27$1,745
Cape Girardeau County52$1,177
Carroll County15$2,115
Carter County36$1,269
Chariton County20$1,088
Christian County70$1,034
Clark County28$998
Clinton County14$1,230
Cole County83$1,507
Crawford County22$1,942
Gasconade County36$1,591
Henry County17$1,219
Howell County24$1,328
Iron County31$1,164
Johnson County67$1,172
Laclede County18$1,458
Lawrence County50$1,085
Lewis County28$943
Madison County22$1,716
Maries County12$1,566
Marion County48$1,246
McDonald County53$1,408
Miller County13$1,202
Morgan County71$1,492
Osage County34$1,111
Perry County17$1,619
Pettis County39$1,090
Phelps County76$1,246
Pike County61$1,140
Pulaski County68$1,248
Ralls County15$1,305
Ray County74$1,402
Reynolds County16$1,414
Ripley County82$956
St. Francois County51$1,204
Ste. Genevieve County44$1,204
Stone County48$1,233
Texas County14$1,030
Warren County40$1,860
Washington County10$1,112
Wayne County54$1,108

ZIP codes with the most insured homes