Menu

Flood insurance cost · Jefferson County, MO

Flood insurance cost in Jefferson County, Missouri

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 585 home policies in force on August 31, 2026.

Jefferson County, MissouriPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,260a year

Half of insured homes paid between $1,023 and $1,921. That is 14% more than the Missouri median ($1,103). Most insured homes here are rated in zone AE (74%).

$0$1,023 · $1,260 · $1,921$2,401
+14.1% vs Aug 31, 2025 (median $1,104)
585home policies in force
$1,656average cost (mean)
79%of insured homes in high-risk zones (A, V)
$177,000median 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 Jefferson County.

Cost by flood zone in Jefferson 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		$1,280$1,054–$2,366$1,799433 (74%)+11.7%
Zone A
High risk		$1,239$975–$1,637$1,42929 (5%)+35.3%
Zone X
Moderate to low risk		$1,205$975–$1,370$1,205123 (21%)+16.7%

Not shown (fewer than 10 home policies): VE, 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 Jefferson County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home549$1,259$1,637
2–4 unit building10$4,224$3,650
Manufactured (mobile) home26$868$1,282
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		91$3,117$4,607

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

683NFIP policies in force, any building
683insured units (condo association policies count every unit)
71%of home policies also cover contents
$67,000median contents coverage, when bought

One year on: Jefferson 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 force626585−6.5%
Median annual cost$1,104$1,260+14.1%
Average annual cost$1,525$1,656+8.6%
All policies in force (any building)732683−6.7%

How many homes have flood insurance?

0.7%of all homes in Jefferson County have an NFIP policy
19.5%of homes in high-risk zones (special flood hazard area) have one
87,272residential buildings counted by FEMA
2,395of 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 Jefferson County, Missouri have filed 4,608 flood claims. 3,931 received a payment, for a total of $69.4 million (an average of $17,643 per paid claim). The year with the most claims was 1993 (793 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 26 claims, 23 paid, $38,208 in total1979: 320 claims, 289 paid, $2,185,819 in total1980: 16 claims, 12 paid, $31,165 in total19801981: 55 claims, 44 paid, $143,036 in total1982: 446 claims, 406 paid, $5,676,889 in total19821983: 428 claims, 333 paid, $1,645,061 in total19831984: 37 claims, 21 paid, $40,576 in total1985: 267 claims, 219 paid, $1,164,868 in total1986: 106 claims, 81 paid, $538,540 in total1990: 84 claims, 70 paid, $373,856 in total19901993: 793 claims, 706 paid, $15,014,292 in total19931994: 349 claims, 285 paid, $3,104,744 in total1995: 179 claims, 147 paid, $2,272,862 in total1996: 125 claims, 95 paid, $892,354 in total1997: 18 claims, 13 paid, $69,000 in total1998: 26 claims, 19 paid, $192,096 in total1999: 11 claims2000: 82 claims, 63 paid, $642,239 in total20002002: 42 claims, 32 paid, $281,410 in total2003: 63 claims, 56 paid, $789,473 in total2005: 27 claims, 21 paid, $202,948 in total2008: 290 claims, 264 paid, $6,514,763 in total2009: 46 claims, 44 paid, $435,383 in total20102011: 14 claims, 10 paid, $125,485 in total2013: 80 claims, 72 paid, $1,914,675 in total2014: 12 claims2015: 242 claims, 222 paid, $11,960,369 in total2016: 41 claims, 33 paid, $796,410 in total2017: 196 claims, 179 paid, $7,274,670 in total2019: 31 claims, 29 paid, $1,606,243 in total20202022: 28 claims, 27 paid, $1,015,983 in total2024: 56 claims, 48 paid, $1,764,397 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 (32)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20245648$1,764,397$36,758
20222827$1,015,983$37,629
20193129$1,606,243$55,388
2017196179$7,274,670$40,641
20164133$796,410$24,134
2015242222$11,960,369$53,876
201412<10––
20138072$1,914,675$26,593
20111410$125,485$12,548
20094644$435,383$9,895
2008290264$6,514,763$24,677
20052721$202,948$9,664
20036356$789,473$14,098
20024232$281,410$8,794
20008263$642,239$10,194
199911<10––
19982619$192,096$10,110
19971813$69,000$5,308
199612595$892,354$9,393
1995179147$2,272,862$15,462
1994349285$3,104,744$10,894
1993793706$15,014,292$21,267
19908470$373,856$5,341
198610681$538,540$6,649
1985267219$1,164,868$5,319
19843721$40,576$1,932
1983428333$1,645,061$4,940
1982446406$5,676,889$13,982
19815544$143,036$3,251
19801612$31,165$2,597
1979320289$2,185,819$7,563
19782623$38,208$1,661

From 2016 to 2026: 352 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 Jefferson County (414 home policies) · Arnold (108 home policies) · De Soto (30 home policies) · Byrnes Mill (11 home policies)