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Andrew County, MO flood insurance claims history
146 claims under the National Flood Insurance Program on file for flood losses in Andrew County since 1986, with $4.0M paid. The worst year was 2007 with 35 claims. Andrew County ranks #38 of 107 in Missouri by claim count.
What the Andrew County record shows
- 16% of claims with a zone on file came from outside FEMA's high-risk zones.
- 17% of all claims trace to one event, Late spring storms (2011), which paid $1.4M here.
- 2007 alone produced 24% of the claims on file.
- Claims came in just 3 of the 10 years to 2026.
- 2016–2025 brought 37 claims, 62% fewer than 2006–2015 (98). Counts also move with how many buildings held a policy.
- The average paid claim is $31K, above the Missouri average of $23K (nominal dollars).
- ZIP codes 64421, 64483 and 64485 hold 94% of claims, out of 6 ZIP codes with any.
- May through July accounts for 89% of losses.
- Holt County has the most claims among its neighbors (1,254, against 146 here).
NFIP claims
146
1986–2021
Total paid
$4.0M
nominal dollars, not inflation-adjusted
Claims paid
89%
130 received a payment
Average payout
$31K
per paid claim
Last 10 years
37
claims 2017 – 2026
Most recent loss
2021-06-25
data as of 2026-09-08
Look up your ZIP code
Filter by ZIP, year or flood zone to see which floods the claims came from. For a street address, run the printable flood check.
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Flood claims by year
Peak: 35 claims in 2007
Biggest flood events in Andrew County
| Flood event (FEMA name) | Claims | Paid | Avg / claim | Year |
|---|---|---|---|---|
| Late spring storms | 25 | $1.4M | $55K | 2011 |
| Midwest Flooding | 7 | $143K | $20K | 1993 |
| Flooding (FEMA general label) | 1 | $276 | $276 | 1986 |
23% of claims here fall under these 3 entries.How to read these labels.
Federal disaster declarations for Andrew County
Andrew County has been a designated area in 32 declarations since 1965, 29 of them for flooding, storms or hurricanes. Since 2024 it has been included in 1: Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (DR-4929-MO, 2026).
| Declared | FEMA number | Incident | Declared for | Dates of the incident | Aid unlocked here |
|---|---|---|---|---|---|
| 2026-08-03 | DR-4929-MO major disaster | Severe Storm | Severe Storms, Straight-Line Winds, Tornadoes, and Flooding | 2026-06-04 → 2026-06-18 | Public Assistance |
| 2021-09-01 | DR-4612-MO major disaster | Severe Storm | Severe Storms, Straight-Line Winds, Tornadoes, and Flooding | 2021-06-24 → 2021-07-01 | Public Assistance, Hazard Mitigation |
| 2020-03-26 | DR-4490-MO major disaster | Biological | COVID-19 Pandemic | 2020-01-20 → 2023-05-11 | Individual Assistance, Public Assistance, Hazard Mitigation |
| 2020-03-13 | EM-3482-MO emergency | Biological | COVID-19 | 2020-01-20 → 2023-05-11 | Public Assistance |
| 2019-07-09 | DR-4451-MO major disaster | Severe Storm | Severe Storms, Tornadoes, and Flooding | 2019-04-29 → 2019-07-05 | Individual Assistance, Public Assistance, Hazard Mitigation |
| 2019-05-20 | DR-4435-MO major disaster | Flood | Severe Storms, Straight-Line Winds, and Flooding | 2019-03-11 → 2019-04-16 | Public Assistance, Hazard Mitigation |
| 2015-08-07 | DR-4238-MO major disaster | Severe Storm | Severe Storms, Tornadoes, Straight-Line Winds, and Flooding | 2015-05-15 → 2015-07-27 | Public Assistance, Hazard Mitigation |
| 2014-10-31 | DR-4200-MO major disaster | Severe Storm | Severe Storms, Tornadoes, Straight-Line Winds, and Flooding | 2014-09-09 → 2014-09-10 | Public Assistance, Hazard Mitigation |
| 2011-08-12 | DR-4012-MO major disaster | Flood | Flooding | 2011-06-01 → 2011-08-01 | Individual Assistance, Public Assistance, Hazard Mitigation |
| 2011-06-30 | EM-3325-MO emergency | Flood | Flooding | 2011-06-01 → 2011-08-01 | Public Assistance |
| 2011-03-23 | DR-1961-MO major disaster | Severe Storm | Severe Winter Storm and Snowstorm | 2011-01-31 → 2011-02-05 | Public Assistance, Hazard Mitigation |
| 2011-02-03 | EM-3317-MO emergency | Severe Storm | Severe Winter Storm | 2011-01-31 → 2011-02-05 | Public Assistance |
| 2010-08-17 | DR-1934-MO major disaster | Severe Storm | Severe Storms, Flooding, and Tornadoes | 2010-06-12 → 2010-07-31 | Public Assistance, Hazard Mitigation |
| 2009-01-30 | EM-3303-MO emergency | Severe Ice Storm | Severe Winter Storm | 2009-01-26 → 2009-01-28 | Public Assistance |
| 2008-06-25 | DR-1773-MO major disaster | Severe Storm | Severe Storms and Flooding | 2008-06-01 → 2008-08-13 | Individual Assistance, Public Assistance, Hazard Mitigation |
| 2007-12-27 | DR-1736-MO major disaster | Severe Ice Storm | Severe Winter Storms | 2007-12-06 → 2007-12-15 | Public Assistance, Hazard Mitigation |
| 2007-12-12 | EM-3281-MO emergency | Severe Ice Storm | Severe Winter Storms | 2007-12-08 → 2007-12-15 | Public Assistance |
| 2007-06-11 | DR-1708-MO major disaster | Severe Storm | Severe Storms and Flooding | 2007-05-05 → 2007-05-18 | Individual Assistance, Public Assistance, Hazard Mitigation |
| 2006-04-05 | DR-1635-MO major disaster | Severe Storm | Severe Storms, Tornadoes, and Flooding | 2006-03-30 → 2006-04-03 | Individual Assistance, Public Assistance, Hazard Mitigation |
| 2005-09-10 | EM-3232-MO emergency | Hurricane | Hurricane Katrina Evacuation | 2005-08-29 → 2005-10-01 | Public Assistance |
| 2004-06-11 | DR-1524-MO major disaster | Severe Storm | Severe Storms, Tornadoes, and Flooding | 2004-05-18 → 2004-05-31 | Individual Assistance, Hazard Mitigation |
| 1999-04-20 | DR-1270-MO major disaster | Severe Storm | Severe Storms and Flooding | 1999-04-03 → 1999-04-14 | Individual Assistance |
| 1998-10-14 | DR-1253-MO major disaster | Severe Storm | Severe Storms, Flooding and Tornadoes | 1998-10-04 → 1998-10-11 | Public Assistance |
| 1995-06-02 | DR-1054-MO major disaster | Severe Storm | Severe Storms, Tornadoes, Hail, Flooding | 1995-05-13 → 1995-06-23 | Individual Assistance, Public Assistance |
| 1993-07-09 | DR-995-MO major disaster | Flood | Severe Storms & Flooding | 1993-06-10 → 1993-10-25 | Individual Assistance, Public Assistance |
| 1984-06-21 | DR-713-MO major disaster | Flood | Severe Storms & Flooding | 1984-06-06 → 1984-06-16 | Public Assistance |
| 1979-03-12 | EM-3071-MO emergency | Flood | Ice Jam & Flooding | 1979-03-12 | Individual Assistance |
| 1976-09-24 | EM-3017-MO emergency | Drought | Drought | 1976-09-24 | Public Assistance |
| 1974-06-10 | DR-439-MO major disaster | Flood | Severe Storms & Flooding | 1974-06-10 | Individual Assistance, Public Assistance |
| 1973-11-01 | DR-407-MO major disaster | Flood | Severe Storms & Flooding | 1973-11-01 | Individual Assistance, Public Assistance |
| 1973-04-19 | DR-372-MO major disaster | Severe Storm | Heavy Rains, Tornadoes & Flooding | 1973-04-19 | Individual Assistance, Public Assistance |
| 1965-07-27 | DR-203-MO major disaster | Flood | Severe Storms & Flooding | 1965-07-27 | Individual Assistance, Public Assistance |
OpenFEMA data through 2026-11-02; only declarations naming Andrew County itself are listed. 15 of these 32 opened Individual Assistance here. What a declaration does and does not pay for.
Flood zones in Andrew County: which ones the claims came from
High-risk A zones: 118 (81%)Coastal high-risk V zones: 0 (0%)Moderate / low-risk zones (B, C, X): 22 (15%)Zone not recorded: 6 (4%)
The most common zone on Andrew County claims is Zone AE — 86 of 140 claims with a zone on file (61%). 84% were in a high-risk Special Flood Hazard Area.
| Flood zone at rating | Claims | Share | Paid | Avg / claim |
|---|---|---|---|---|
| Zone AE · high risk, insurance required | 86 | 61% | $2.8M | $32K |
| Zone A · high risk, insurance required | 32 | 23% | $732K | $23K |
| Zone X · moderate / low risk | 12 | 9% | $140K | $12K |
| Zone C · moderate / low risk | 10 | 7% | $331K | $33K |
6 Andrew County claims have no zone recorded and are left out of the shares above. Which zones require flood insurance →
What caused the flooding
| Cause of damage (as coded by FEMA) | Claims | Share |
|---|---|---|
| Stream, river or lake overflow | 85 | 58% |
| Accumulation of rainfall or snowmelt | 41 | 28% |
| Other causes | 14 | 10% |
| Tidal water overflow (storm surge) | 3 | 2% |
| Not recorded | 3 | 2% |
Flood claims by ZIP code in Andrew County
7 ZIP codes with at least one claim FEMA assigned to Andrew County.
| 64421 | 108 | $3.3M | 74% | 11 | 2021 |
| 64483 | 24 | $599K | 16% | 6 | 2021 |
| 64485 | 5 | $45K | 3% | 5 | 2021 |
| 64449 | 4 | $0 | 3% | 1 | 2019 |
| 64505 | 3 | $43K | 2% | 3 | 2019 |
| Not reported | 1 | $276 | 1% | 1 | 1986 |
| 64506 | 1 | $11K | 1% | 1 | 2021 |
When does Andrew County flood?
June accounts for the most flood losses (64 claims, 44%). Claims by month of loss:
| Month | Claims | Share |
|---|---|---|
| January | 0 | 0% |
| February | 0 | 0% |
| March | 12 | 8% |
| April | 2 | 1% |
| May | 53 | 36% |
| June | 64 | 44% |
| July | 13 | 9% |
| August | 0 | 0% |
| September | 0 | 0% |
| October | 2 | 1% |
| November | 0 | 0% |
| December | 0 | 0% |
Year-by-year detail
| Year of loss | Claims | Paid |
|---|---|---|
| 2021 | 5 | $119K |
| 2019 | 31 | $1.1M |
| 2018 | 1 | $20K |
| 2015 | 1 | $45K |
| 2013 | 1 | $9K |
| 2011 | 25 | $1.4M |
| 2010 | 18 | $156K |
| 2008 | 18 | $211K |
| 2007 | 35 | $793K |
| 2001 | 1 | $0 |
| 1998 | 1 | $0 |
| 1996 | 1 | $4K |
| 1993 | 7 | $143K |
| 1986 | 1 | $276 |
Neighboring counties
| Neighbor | Claims | Paid | Outside high-risk |
|---|---|---|---|
| Andrew County (this page) | 146 | $4.0M | 16% |
| Holt County | 1,254 | $39.3M | 0% |
| Buchanan County | 623 | $22.9M | 21% |
| Nodaway County | 7 | $149K | 14% |
| DeKalb County | 6 | $99K | 33% |
| Gentry County | 2 | $36K | 100% |
All 107 Missouri counties → · County and ZIP rankings →
Common questions about flooding in Andrew County
- Has Andrew County flooded recently?
- The most recent flood loss with an insurance claim on file was on 2021-06-25, in FEMA data through 2026-09-08. Claims were filed in 3 of the 10 years to 2026 (37 claims).
- Has Andrew County had a FEMA disaster declaration?
- Yes — Andrew County has been named a designated area in 32 federal disaster declarations since 1965. The most recent is Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (DR-4929-MO, declared 2026-08-03). Since 2024 there have been 1. See the full list with dates and aid programs →
- What flood zone is Andrew County in?
- No single zone covers a whole county. Across 140 Andrew County claims with a zone on file, the most common was Zone AE (61%), and 84% were in a high-risk Special Flood Hazard Area. For one address, use the flood check.
Look up another place
Source: FEMA NFIP Redacted Claims, FIPS 29003, data as of 2026-09-08. Insured buildings only, never a specific property: see how to check a house and the limits of this data.