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Flood insurance cost · Franklin County, MO

Flood insurance cost in Franklin County, Missouri

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 158 home policies in force on August 31, 2026.

Franklin County, MissouriPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,377a year

Half of insured homes paid between $1,022 and $1,970. That is 25% more than the Missouri median ($1,103). Most insured homes here are rated in zone AE (70%).

$0$1,022 · $1,377 · $1,970$2,462
+15.3% vs Aug 31, 2025 (median $1,194)
158home policies in force
$1,614average cost (mean)
72%of insured homes in high-risk zones (A, V)
$144,000median 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: 1 FEMA declaration · individual aid. FEMA declarations and IRS tax relief in Franklin County.

Cost by flood zone in Franklin County

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		$1,620$1,159–$2,169$1,795110 (70%)+15.2%
Zone X
Moderate to low risk		$1,205$980–$1,389$1,12543 (27%)+16.9%

Not shown (fewer than 10 home policies): VE, A, AO, AH, A99/AR, D. 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 Franklin County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home126$1,372$1,626
2–4 unit building22$1,880$1,802
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		62$2,760$4,254

Not shown (fewer than 10 policies): manufactured (mobile) home, condo or apartment unit, whole residential building (5+ units or condo association).

220NFIP policies in force, any building
220insured units (condo association policies count every unit)
51%of home policies also cover contents
$60,000median contents coverage, when bought

One year on: Franklin County

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 force173158−8.7%
Median annual cost$1,194$1,377+15.3%
Average annual cost$1,428$1,614+13.0%
All policies in force (any building)236220−6.8%

How many homes have flood insurance?

0.3%of all homes in Franklin County have an NFIP policy
13.9%of homes in high-risk zones (special flood hazard area) have one
45,430residential buildings counted by FEMA
804of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Franklin County, Missouri have filed 1,100 flood claims. 977 received a payment, for a total of $32.3 million (an average of $33,016 per paid claim). The year with the most claims was 2015 (204 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001979: 11 claims, 11 paid, $38,842 in total19801982: 54 claims, 53 paid, $752,399 in total1983: 19 claims, 18 paid, $60,359 in total1985: 43 claims, 34 paid, $101,597 in total19901993: 73 claims, 60 paid, $734,322 in total1994: 174 claims, 157 paid, $1,718,597 in total19941995: 18 claims, 15 paid, $102,723 in total1998: 22 claims, 10 paid, $100,861 in total2000: 59 claims, 43 paid, $3,503,917 in total20002008: 187 claims, 176 paid, $6,115,899 in total200820102015: 204 claims, 189 paid, $10,209,484 in total20152017: 153 claims, 148 paid, $7,610,405 in total20202024: 18 claims, 17 paid, $777,158 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 (13)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20241817$777,158$45,715
2017153148$7,610,405$51,422
2015204189$10,209,484$54,018
2008187176$6,115,899$34,749
20005943$3,503,917$81,486
19982210$100,861$10,086
19951815$102,723$6,848
1994174157$1,718,597$10,946
19937360$734,322$12,239
19854334$101,597$2,988
19831918$60,359$3,353
19825453$752,399$14,196
19791111$38,842$3,531

From 2016 to 2026: 171 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.

Main NFIP communities in the county

Unincorporated Franklin County (61 home policies) · Pacific (58 home policies) · Washington (23 home policies) · Union (12 home policies)