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Flood insurance cost · ZIP 63301 · MO

Flood insurance cost in ZIP 63301 (St. Charles, MO)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 452 home policies in force on August 31, 2026.

ZIP code 63301 (St. Charles, MO)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,332a year

Half of insured homes paid between $996 and $1,650. That is about the same as the St. Charles County median ($1,351). Most insured homes here are rated in zone AE (72%).

$0$996 · $1,332 · $1,650$2,062
+16.8% vs Aug 31, 2025 (median $1,140)
452home policies in force
$1,453average cost (mean)
73%of insured homes in high-risk zones (A, V)
$205,000median 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 ZIP code 63301

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		$1,333$956–$1,839$1,543327 (72%)+17.2%
Zone X
Moderate to low risk		$1,308$1,128–$1,404$1,214124 (27%)+11.9%

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 ZIP code 63301, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home404$1,351$1,495
2–4 unit building16$1,782$1,688
Manufactured (mobile) home20$600$711
Condo or apartment unit12$1,102$988
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.		16$1,866$3,228
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		105$3,279$4,006
573NFIP policies in force, any building
573insured units (condo association policies count every unit)
67%of home policies also cover contents
$82,000median contents coverage, when bought

One year on: ZIP code 63301

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 force501452−9.8%
Median annual cost$1,140$1,332+16.8%
Average annual cost$1,283$1,453+13.3%
All policies in force (any building)626573−8.5%

Flood claims history

Since 1978, NFIP policyholders in ZIP 63301 have filed 5,266 flood claims. 4,716 received a payment, for a total of $74.9 million (an average of $15,882 per paid claim). The year with the most claims was 1993 (1,297 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1978: 34 claims, 32 paid, $21,628 in total1979: 423 claims, 412 paid, $3,122,924 in total197919801981: 57 claims, 51 paid, $55,702 in total1982: 412 claims, 372 paid, $1,850,861 in total1983: 408 claims, 349 paid, $1,902,468 in total1984: 51 claims, 40 paid, $89,061 in total1985: 234 claims, 210 paid, $950,897 in total1986: 651 claims, 589 paid, $5,467,638 in total19861990: 128 claims, 113 paid, $482,488 in total19901991: 28 claims, 27 paid, $57,012 in total1992: 13 claims, 11 paid, $20,075 in total1993: 1,297 claims, 1,191 paid, $29,754,930 in total19931994: 11 claims1995: 218 claims, 181 paid, $1,876,031 in total1996: 98 claims, 81 paid, $413,371 in total1997: 21 claims, 18 paid, $55,723 in total1998: 59 claims, 53 paid, $340,033 in total1999: 12 claims, 11 paid, $70,347 in total20002001: 62 claims, 53 paid, $744,800 in total2002: 52 claims, 40 paid, $296,565 in total2004: 11 claims2008: 245 claims, 227 paid, $9,367,693 in total2009: 16 claims, 11 paid, $39,622 in total2010: 40 claims, 35 paid, $271,972 in total20102011: 50 claims, 45 paid, $1,905,762 in total2013: 145 claims, 130 paid, $2,657,626 in total2014: 24 claims, 20 paid, $195,188 in total2015: 105 claims, 96 paid, $1,665,725 in total2016: 10 claims2017: 30 claims, 24 paid, $569,425 in total2018: 20 claims, 18 paid, $501,552 in total2019: 174 claims, 153 paid, $7,118,710 in total2020: 19 claims, 13 paid, $151,086 in total20202022: 78 claims, 69 paid, $2,557,851 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 (34)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20227869$2,557,851$37,070
20201913$151,086$11,622
2019174153$7,118,710$46,528
20182018$501,552$27,864
20173024$569,425$23,726
201610<10––
201510596$1,665,725$17,351
20142420$195,188$9,759
2013145130$2,657,626$20,443
20115045$1,905,762$42,350
20104035$271,972$7,771
20091611$39,622$3,602
2008245227$9,367,693$41,267
200411<10––
20025240$296,565$7,414
20016253$744,800$14,053
19991211$70,347$6,395
19985953$340,033$6,416
19972118$55,723$3,096
19969881$413,371$5,103
1995218181$1,876,031$10,365
199411<10––
19931,2971,191$29,754,930$24,983
19921311$20,075$1,825
19912827$57,012$2,112
1990128113$482,488$4,270
1986651589$5,467,638$9,283
1985234210$950,897$4,528
19845140$89,061$2,227
1983408349$1,902,468$5,451
1982412372$1,850,861$4,975
19815751$55,702$1,092
1979423412$3,122,924$7,580
19783432$21,628$676

From 2016 to 2026: 331 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.

NFIP communities in this ZIP code

St. Charles (284 home policies) · Unincorporated St. Charles County (168 home policies). A ZIP code can cross city and county lines; each policy is counted once, in the ZIP code reported for the insured building.