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Flood insurance cost · Lincoln County, MO

Flood insurance cost in Lincoln County, Missouri

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 162 home policies in force on August 31, 2026.

Lincoln County, MissouriPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,476a year

Half of insured homes paid between $988 and $2,056. That is 34% more than the Missouri median ($1,103). Most insured homes here are rated in zone AE (80%).

$0$988 · $1,476 · $2,056$2,570
+16.2% vs Aug 31, 2025 (median $1,270)
162home policies in force
$1,656average cost (mean)
90%of insured homes in high-risk zones (A, V)
$102,000median 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.

Cost by flood zone in Lincoln 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		$1,566$1,000–$2,088$1,729130 (80%)+14.8%
Zone A
High risk		$1,476$1,209–$2,166$1,71615 (9%)+17.7%
Zone X
Moderate to low risk		$1,070$884–$1,245$1,06316 (10%)+18.2%

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 Lincoln County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home145$1,476$1,662
Manufactured (mobile) home13$1,409$1,546
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		31$1,943$2,810

Not shown (fewer than 10 policies): 2–4 unit building, condo or apartment unit, whole residential building (5+ units or condo association).

195NFIP policies in force, any building
195insured units (condo association policies count every unit)
57%of home policies also cover contents
$25,000median contents coverage, when bought

One year on: Lincoln 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 force177162−8.5%
Median annual cost$1,270$1,476+16.2%
Average annual cost$1,483$1,656+11.7%
All policies in force (any building)209195−6.7%

How many homes have flood insurance?

0.6%of all homes in Lincoln County have an NFIP policy
11.5%of homes in high-risk zones (special flood hazard area) have one
27,653residential buildings counted by FEMA
1,309of 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 Lincoln County, Missouri have filed 2,273 flood claims. 2,005 received a payment, for a total of $37.2 million (an average of $18,530 per paid claim). The year with the most claims was 1993 (511 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 26 claims, 24 paid, $88,479 in total19801982: 151 claims, 132 paid, $903,259 in total1983: 122 claims, 107 paid, $501,147 in total1985: 27 claims, 23 paid, $85,738 in total1986: 72 claims, 61 paid, $331,043 in total1990: 49 claims, 46 paid, $308,310 in total19901991: 16 claims, 11 paid, $13,659 in total1993: 511 claims, 477 paid, $11,900,769 in total19931994: 43 claims, 38 paid, $498,232 in total1995: 65 claims, 52 paid, $445,233 in total1996: 42 claims, 38 paid, $131,265 in total1997: 20 claims, 15 paid, $27,973 in total1998: 28 claims, 26 paid, $70,076 in total1999: 17 claims, 14 paid, $24,914 in total2000: 12 claims20002001: 66 claims, 59 paid, $1,149,960 in total2002: 26 claims, 20 paid, $72,800 in total2008: 296 claims, 275 paid, $10,080,832 in total20082009: 27 claims, 23 paid, $70,307 in total2010: 37 claims, 31 paid, $86,108 in total20102011: 25 claims, 21 paid, $101,149 in total2013: 87 claims, 69 paid, $810,662 in total2014: 36 claims, 27 paid, $184,496 in total2015: 123 claims, 95 paid, $1,612,590 in total2016: 11 claims2017: 22 claims, 20 paid, $173,987 in total2018: 39 claims, 37 paid, $138,539 in total2019: 176 claims, 161 paid, $6,072,569 in total20192020: 24 claims, 22 paid, $280,654 in total20202024: 14 claims, 14 paid, $141,315 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 (30)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20241414$141,315$10,094
20202422$280,654$12,757
2019176161$6,072,569$37,718
20183937$138,539$3,744
20172220$173,987$8,699
201611<10––
201512395$1,612,590$16,975
20143627$184,496$6,833
20138769$810,662$11,749
20112521$101,149$4,817
20103731$86,108$2,778
20092723$70,307$3,057
2008296275$10,080,832$36,658
20022620$72,800$3,640
20016659$1,149,960$19,491
200012<10––
19991714$24,914$1,780
19982826$70,076$2,695
19972015$27,973$1,865
19964238$131,265$3,454
19956552$445,233$8,562
19944338$498,232$13,111
1993511477$11,900,769$24,949
19911611$13,659$1,242
19904946$308,310$6,702
19867261$331,043$5,427
19852723$85,738$3,728
1983122107$501,147$4,684
1982151132$903,259$6,843
19792624$88,479$3,687

From 2016 to 2026: 286 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 Lincoln County (100 home policies) · Old Monroe (21 home policies) · Foley (10 home policies) · Troy (10 home policies)