Enter any Missouri address to see its FEMA flood zone designation
Missouri experiences a mixed flood risk, with flash floods being the most frequent event type over the last 30 years, accounting for 6,128 incidents and 111 fatalities. General floods followed, with 4,459 events and 43 deaths. Tropical storms have been rare, with only two recorded events.
Recent federal disaster declarations highlight the ongoing threat of severe storms and flooding across the state. Multiple declarations in May 2025 specifically mention severe storms and flooding, with one also including straight-line winds and tornadoes. These events underscore the dynamic nature of flood risk in Missouri, impacting various regions.
National Flood Insurance Program data indicates that Zone A properties have incurred the highest number of claims (34,298) and received the largest total payout ($676 million). However, Zone X properties, often considered lower risk, have also seen significant claims and substantial average payouts, suggesting that flood risk is not confined to the most commonly designated high-risk areas. Residents in all zones should consider flood insurance, as unexpected events can lead to substantial financial losses.
Summary generated from FEMA disaster declarations, NOAA storm events, and NFIP claim data. Updated quarterly.
Source: OpenFEMA NFIP Claims, Policies, and Disaster Declarations data.
Missouri has received 2,830 federal disaster declarations, including 522 flood and coastal storm declarations.
FEMA designates flood zones across Missouri using the following classifications:
AE High Risk — 1% annual chance of flooding (100-year floodplain). Insurance required for federal mortgages.
VE Very High Risk — Coastal flooding with wave action. Strictest building codes.
X (Shaded) Moderate Risk — 500-year floodplain. Insurance recommended.
X Low Risk — Outside major floodplains. Insurance optional but advisable — from 2014 to 2024, nearly one-third of NFIP claims came from outside high-risk zones.
Properties in Missouri FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance through the National Flood Insurance Program (NFIP).
The average NFIP premium in Missouri is approximately $805 per year. Rates vary significantly based on flood zone, building elevation, and coverage amount.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from properties outside the high-risk Special Flood Hazard Area. Missouri residents can purchase flood insurance through the NFIP or private insurers.
Visit FloodSmart.gov to find an agent and get a quote.
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