Enter any address in Montgomery County, Missouri to see its FEMA flood zone
Flash flooding from intense rainfall events is the primary flood hazard in Montgomery County, MO. Over the past 30 years, NOAA Storm Events data shows 28 flash flood events compared to 9 general flood events. Recent examples include significant rainfall causing flash flooding on May 24, 2023, and over 11 inches of rain falling in approximately 8 hours between Hawk Point and St. Peters on July 26, 2022.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A have experienced the most claims, with an average payout of $8,595 and an average water depth of 3.2 feet. While fewer claims have been filed in Zone X and Zone V, one claim in Zone X_UNSHADED resulted in a significantly higher average payout of $82,684, despite a lower average water depth of 1.0 foot. Homeowners in Zone A, as well as those in other designated flood zones, should be particularly aware of their flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
5 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Montgomery County, Missouri has recorded 37 flood-related events since 1996 according to NOAA's Storm Events Database, including 28 flash floods and 9 river or area floods. The county has received 26 federal disaster declarations, 6 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1973–2022)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Storms And Flooding | Flood | Jul 25, 2022 |
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Severe Storm | Jun 24, 2021 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms, Tornadoes, And Flooding | Severe Storm | Apr 29, 2019 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Flood | Dec 22, 2015 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Severe Storm | May 15, 2015 |
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Severe Storm | May 29, 2013 |
| Flooding | Flood | Jun 1, 2011 |
| Severe Winter Storm | Severe Storm | Jan 31, 2011 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | May 24, 2023 | 0.00K |
| Flash Flood | Jul 26, 2022 | 0.00K |
| Flash Flood | May 13, 2022 | 0.00K |
| Flash Flood | Jun 25, 2021 | 0.00K |
| Flash Flood | Jul 31, 2020 | 0.00K |
| Flash Flood | Aug 26, 2019 | 0.00K |
| Flash Flood | Apr 29, 2017 | 0.00K |
| Flash Flood | Aug 2, 2016 | 0.00K |
| Flash Flood | Dec 26, 2015 | 0.00K |
| Flash Flood | Aug 22, 2015 | 0.00K |
Flash Flood — May 24, 2023
A small cluster of storms developed over portions of central Missouri. Some of the storms dumped between 4 and 5 inches of rain causing flash flooding.
Flash Flood — Jul 26, 2022
During the early morning of Tuesday, July 26th, 2022, a complex of training thunderstorms set up roughly along the I-70 corridor in Missouri and I-64 corridor in Illinois. Several rounds of thunderstorms with rainfall rates exceeding 2in/hr affected this area, including the St. Louis metropolitan area, through the early hours of July 26th and into the morning commute. Upwards of 11 of rain fell...
Flash Flood — May 13, 2022
A cold front moved through the region triggering thunderstorms. Some of the storms became severe with numerous reports of large hail.
Flash Flood — Jun 25, 2021
A trough moved southeast through the region, generating a complex of showers and storms. Numerous reports of damaging winds, a few tornadoes and flash flooding were reported with this system.
Flash Flood — Jul 31, 2020
An upper level low centered over Missouri moved slowly eastward with two lobes of vorticity that were pivoting around each other. The interaction of the two vort maxes produced two distinct areas of heavy rain, one over central/east central Missouri and another over south central and southeast Missouri. Very heavy rain fell in these areas, mainly between 3 and 4 inches of rain, though a few are...
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Montgomery County, Missouri:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Montgomery County, Missouri that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.