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Flood insurance cost · St. Louis County, MO

Flood insurance cost in St. Louis County, Missouri

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,978 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$1,352a year

Half of insured homes paid between $873 and $1,952. That is 23% more than the Missouri median ($1,103). Most insured homes here are rated in zone AE (53%).

$0$873 · $1,352 · $1,952$2,440
+12.9% vs Aug 31, 2025 (median $1,198)
1,978home policies in force
$1,544average cost (mean)
56%of insured homes in high-risk zones (A, V)
$200,000median 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: 2 FEMA declarations · individual aid. FEMA declarations and IRS tax relief in St. Louis County.

Cost by flood zone in St. Louis 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		$1,804$1,338–$2,460$2,0191,049 (53%)+7.5%
Zone A
High risk		$1,100$809–$1,862$1,28363 (3%)+6.7%
Zone X
Moderate to low risk		$949$589–$1,262$988866 (44%)+6.5%

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 St. Louis County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,789$1,333$1,548
2–4 unit building111$1,923$2,008
Condo or apartment unit77$623$815
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.		79$7,470$6,978
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		870$3,277$4,540

Not shown (fewer than 10 policies): manufactured (mobile) home.

2,927NFIP policies in force, any building
3,046insured units (condo association policies count every unit)
64%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: St. Louis 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 force2,0631,978−4.1%
Median annual cost$1,198$1,352+12.9%
Average annual cost$1,460$1,544+5.8%
All policies in force (any building)3,0732,927−4.8%

How many homes have flood insurance?

0.6%of all homes in St. Louis County have an NFIP policy
34.0%of homes in high-risk zones (special flood hazard area) have one
360,986residential buildings counted by FEMA
3,470of 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. Louis County, Missouri have filed 12,056 flood claims. 9,956 received a payment, for a total of $264.8 million (an average of $26,595 per paid claim). The year with the most claims was 1993 (1,977 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1978: 158 claims, 128 paid, $276,988 in total1979: 1,102 claims, 993 paid, $6,184,039 in total19791980: 65 claims, 41 paid, $145,628 in total19801981: 232 claims, 182 paid, $536,496 in total1982: 1,218 claims, 1,075 paid, $13,061,430 in total19821983: 917 claims, 749 paid, $4,328,740 in total1984: 119 claims, 58 paid, $212,845 in total1985: 724 claims, 581 paid, $2,512,278 in total1986: 349 claims, 265 paid, $1,547,003 in total1987: 31 claims, 17 paid, $56,724 in total1989: 15 claims1990: 195 claims, 155 paid, $456,335 in total19901991: 103 claims, 85 paid, $1,940,160 in total1992: 44 claims, 34 paid, $53,493 in total1993: 1,977 claims, 1,677 paid, $51,070,351 in total19931994: 713 claims, 668 paid, $17,905,929 in total1995: 469 claims, 358 paid, $4,124,145 in total1996: 209 claims, 148 paid, $2,238,099 in total1998: 73 claims, 53 paid, $295,583 in total1999: 64 claims, 38 paid, $1,056,191 in total2000: 57 claims, 35 paid, $1,044,271 in total20002001: 17 claims2002: 75 claims, 44 paid, $139,423 in total2003: 59 claims, 40 paid, $947,101 in total2004: 82 claims, 64 paid, $1,779,899 in total2005: 31 claims, 25 paid, $390,888 in total2008: 988 claims, 872 paid, $40,155,922 in total2009: 53 claims, 32 paid, $215,789 in total2010: 33 claims, 21 paid, $199,716 in total20102011: 79 claims, 62 paid, $2,080,617 in total2013: 76 claims, 51 paid, $1,483,351 in total2014: 39 claims, 19 paid, $459,908 in total2015: 364 claims, 299 paid, $25,754,421 in total2016: 63 claims, 49 paid, $3,933,604 in total2017: 207 claims, 180 paid, $13,461,196 in total2019: 108 claims, 89 paid, $3,598,192 in total2020: 112 claims, 92 paid, $8,419,713 in total20202022: 590 claims, 513 paid, $44,284,377 in total2023: 17 claims, 10 paid, $410,695 in total2024: 152 claims, 120 paid, $7,595,379 in total2025: 19 claims
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 (41)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202519<10––
2024152120$7,595,379$63,295
20231710$410,695$41,070
2022590513$44,284,377$86,324
202011292$8,419,713$91,519
201910889$3,598,192$40,429
2017207180$13,461,196$74,784
20166349$3,933,604$80,278
2015364299$25,754,421$86,135
20143919$459,908$24,206
20137651$1,483,351$29,085
20117962$2,080,617$33,558
20103321$199,716$9,510
20095332$215,789$6,743
2008988872$40,155,922$46,050
20053125$390,888$15,636
20048264$1,779,899$27,811
20035940$947,101$23,678
20027544$139,423$3,169
200117<10––
20005735$1,044,271$29,836
19996438$1,056,191$27,794
19987353$295,583$5,577
1996209148$2,238,099$15,122
1995469358$4,124,145$11,520
1994713668$17,905,929$26,805
19931,9771,677$51,070,351$30,453
19924434$53,493$1,573
199110385$1,940,160$22,825
1990195155$456,335$2,944
198915<10––
19873117$56,724$3,337
1986349265$1,547,003$5,838
1985724581$2,512,278$4,324
198411958$212,845$3,670
1983917749$4,328,740$5,779
19821,2181,075$13,061,430$12,150
1981232182$536,496$2,948
19806541$145,628$3,552
19791,102993$6,184,039$6,228
1978158128$276,988$2,164

From 2016 to 2026: 1,268 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 St. Louis County (378 home policies) · University City (308 home policies) · Ferguson (155 home policies) · Ladue (124 home policies) · Florissant (117 home policies) · Chesterfield (64 home policies)