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Flood insurance cost · St. Charles County, MO

Flood insurance cost in St. Charles County, Missouri

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,053 home policies in force on August 31, 2026.

St. Charles County, MissouriPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,351a year

Half of insured homes paid between $988 and $1,776. That is 22% more than the Missouri median ($1,103). Most insured homes here are rated in zone AE (71%).

$0$988 · $1,351 · $1,776$2,220
+15.1% vs Aug 31, 2025 (median $1,174)
1,053home policies in force
$1,594average cost (mean)
71%of insured homes in high-risk zones (A, V)
$217,000median 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 St. Charles 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		$1,436$1,040–$2,132$1,782746 (71%)+11.7%
Zone X
Moderate to low risk		$1,204$845–$1,374$1,133304 (29%)+14.6%

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 St. Charles County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home986$1,368$1,620
2–4 unit building19$1,804$1,944
Manufactured (mobile) home21$631$798
Condo or apartment unit27$1,132$1,002
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.		28$1,866$2,956
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		225$2,550$3,578
1,306NFIP policies in force, any building
1,309insured units (condo association policies count every unit)
72%of home policies also cover contents
$80,000median contents coverage, when bought

One year on: St. Charles 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 force1,1521,053−8.6%
Median annual cost$1,174$1,351+15.1%
Average annual cost$1,436$1,594+11.0%
All policies in force (any building)1,4071,306−7.2%

How many homes have flood insurance?

0.8%of all homes in St. Charles County have an NFIP policy
34.7%of homes in high-risk zones (special flood hazard area) have one
139,208residential buildings counted by FEMA
2,198of 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 St. Charles County, Missouri have filed 10,039 flood claims. 8,851 received a payment, for a total of $155.9 million (an average of $17,612 per paid claim). The year with the most claims was 1993 (2,393 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1978: 61 claims, 55 paid, $62,798 in total1979: 746 claims, 706 paid, $5,122,024 in total19801981: 99 claims, 83 paid, $109,464 in total1982: 822 claims, 719 paid, $3,584,174 in total1983: 900 claims, 750 paid, $4,204,679 in total19831984: 118 claims, 91 paid, $229,310 in total1985: 372 claims, 319 paid, $1,351,668 in total1986: 1,087 claims, 964 paid, $8,626,142 in total19861990: 250 claims, 215 paid, $1,144,817 in total19901991: 37 claims, 35 paid, $70,540 in total1992: 17 claims, 13 paid, $25,016 in total1993: 2,393 claims, 2,191 paid, $60,475,690 in total19931994: 43 claims, 28 paid, $288,982 in total1995: 484 claims, 423 paid, $5,043,342 in total1996: 152 claims, 128 paid, $767,007 in total1997: 42 claims, 31 paid, $234,055 in total1998: 96 claims, 83 paid, $628,806 in total1999: 31 claims, 23 paid, $263,495 in total2000: 25 claims, 20 paid, $281,612 in total20002001: 100 claims, 84 paid, $1,154,778 in total2002: 122 claims, 94 paid, $1,131,437 in total2004: 15 claims, 13 paid, $68,318 in total2008: 442 claims, 398 paid, $15,064,465 in total2009: 37 claims, 29 paid, $399,482 in total2010: 70 claims, 62 paid, $843,847 in total20102011: 86 claims, 76 paid, $3,139,577 in total2013: 224 claims, 200 paid, $4,906,327 in total2014: 42 claims, 36 paid, $832,202 in total2015: 268 claims, 232 paid, $5,113,642 in total2016: 28 claims, 22 paid, $477,333 in total2017: 60 claims, 51 paid, $1,084,872 in total2018: 28 claims, 26 paid, $597,087 in total2019: 473 claims, 425 paid, $21,975,028 in total2020: 58 claims, 50 paid, $840,313 in total20202021: 13 claims, 11 paid, $196,728 in total2022: 139 claims, 124 paid, $4,759,685 in total2024: 13 claims, 11 paid, $329,385 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 (37)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20241311$329,385$29,944
2022139124$4,759,685$38,385
20211311$196,728$17,884
20205850$840,313$16,806
2019473425$21,975,028$51,706
20182826$597,087$22,965
20176051$1,084,872$21,272
20162822$477,333$21,697
2015268232$5,113,642$22,042
20144236$832,202$23,117
2013224200$4,906,327$24,532
20118676$3,139,577$41,310
20107062$843,847$13,610
20093729$399,482$13,775
2008442398$15,064,465$37,850
20041513$68,318$5,255
200212294$1,131,437$12,037
200110084$1,154,778$13,747
20002520$281,612$14,081
19993123$263,495$11,456
19989683$628,806$7,576
19974231$234,055$7,550
1996152128$767,007$5,992
1995484423$5,043,342$11,923
19944328$288,982$10,321
19932,3932,191$60,475,690$27,602
19921713$25,016$1,924
19913735$70,540$2,015
1990250215$1,144,817$5,325
19861,087964$8,626,142$8,948
1985372319$1,351,668$4,237
198411891$229,310$2,520
1983900750$4,204,679$5,606
1982822719$3,584,174$4,985
19819983$109,464$1,319
1979746706$5,122,024$7,255
19786155$62,798$1,142

From 2016 to 2026: 812 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.

ZIP codes in St. Charles County

ZIP codes with at least 300 NFIP home policies in force have their own page.

Main NFIP communities in the county

Unincorporated St. Charles County (365 home policies) · St. Charles (302 home policies) · St. Peters (150 home policies) · West Alton (86 home policies) · Portage Des Sioux (65 home policies) · O'fallon (43 home policies)