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Audrain County, MO flood insurance claims history
60 claims under the National Flood Insurance Program on file for flood losses in Audrain County since 1978, with $656K paid. The worst year was 1981 with 14 claims. Audrain County ranks #58 of 107 in Missouri by claim count.
What the Audrain County record shows
- 23% of claims with a zone on file came from outside FEMA's high-risk zones.
- 1981 alone produced 23% of the claims on file.
- Claims came in just 1 of the 10 years to 2026.
- 37% of claims closed without a payment, against 15% statewide.
- ZIP 65265 alone holds 75% of claims.
- May through July accounts for 73% of losses.
- Pike County has the most claims among its neighbors (938, against 60 here).
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
Biggest flood events in Audrain County
| Flood event (FEMA name) | Claims | Paid | Avg / claim | Year |
|---|---|---|---|---|
| Flooding (FEMA general label) | 5 | $234 | $47 | 1984 |
| Hurricane Ike | 1 | $13K | $13K | 2008 |
10% of claims here fall under these 2 entries.How to read these labels.
Federal disaster declarations for Audrain County
Audrain County has been a designated area in 19 declarations since 1974, 16 of them for flooding, storms or hurricanes. None since 2024 — the most recent was DR-4612-MO (2021-09-01).
| Declared | FEMA number | Incident | Declared for | Dates of the incident | Aid unlocked here |
|---|---|---|---|---|---|
| 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 |
| 2016-01-02 | EM-3374-MO emergency | Flood | Severe Storms, Tornadoes, Straight-Line Winds, and Flooding | 2015-12-22 → 2016-01-09 | Public Assistance |
| 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 |
| 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 |
| 2009-01-30 | EM-3303-MO emergency | Severe Ice Storm | Severe Winter Storm | 2009-01-26 → 2009-01-28 | Public Assistance |
| 2008-11-13 | DR-1809-MO major disaster | Severe Storm | Severe Storms, Flooding, and a Tornado | 2008-09-11 → 2008-09-24 | Public Assistance, Hazard Mitigation |
| 2008-06-25 | DR-1773-MO major disaster | Severe Storm | Severe Storms and Flooding | 2008-06-01 → 2008-08-13 | Public Assistance, Hazard Mitigation |
| 2008-03-19 | DR-1749-MO major disaster | Severe Storm | Severe Storms and Flooding | 2008-03-17 → 2008-05-09 | Public Assistance |
| 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 |
| 2005-09-10 | EM-3232-MO emergency | Hurricane | Hurricane Katrina Evacuation | 2005-08-29 → 2005-10-01 | Public Assistance |
| 2003-05-06 | DR-1463-MO major disaster | Severe Storm | Severe Storms, Tornadoes, and Flooding | 2003-05-04 → 2003-05-30 | Individual Assistance, Hazard Mitigation |
| 2002-02-06 | DR-1403-MO major disaster | Severe Ice Storm | Severe Winter Ice Storm | 2002-01-29 → 2002-02-13 | Individual Assistance, Hazard Mitigation |
| 1993-07-09 | DR-995-MO major disaster | Flood | Severe Storms & Flooding | 1993-06-10 → 1993-10-25 | 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 |
OpenFEMA data through 2026-11-02; only declarations naming Audrain County itself are listed. 5 of these 19 opened Individual Assistance here. What a declaration does and does not pay for.
Flood zones in Audrain County: which ones the claims came from
The most common zone on Audrain County claims is Zone A1–A30 — 26 of 56 claims with a zone on file (46%). 77% were in a high-risk Special Flood Hazard Area.
| Flood zone at rating | Claims | Share | Paid | Avg / claim |
|---|---|---|---|---|
| Zone A1–A30 · high risk, insurance required | 26 | 46% | $41K | $2K |
| Zone C · moderate / low risk | 12 | 21% | $27K | $2K |
| Zone AE · high risk, insurance required | 12 | 21% | $561K | $47K |
| Zone A · high risk, insurance required | 5 | 9% | $4K | $781 |
| Zone X · moderate / low risk | 1 | 2% | $2K | $2K |
4 Audrain 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 |
|---|---|---|
| Accumulation of rainfall or snowmelt | 28 | 47% |
| Tidal water overflow (storm surge) | 20 | 33% |
| Stream, river or lake overflow | 9 | 15% |
| Other causes | 1 | 2% |
| Erosion (pre-1995 code) | 1 | 2% |
| Earth movement or landslide | 1 | 2% |
Flood claims by ZIP code in Audrain County
3 ZIP codes with at least one claim FEMA assigned to Audrain County.
When does Audrain County flood?
June accounts for the most flood losses (28 claims, 47%). Claims by month of loss:
| Month | Claims | Share |
|---|---|---|
| January | 1 | 2% |
| February | 0 | 0% |
| March | 0 | 0% |
| April | 5 | 8% |
| May | 6 | 10% |
| June | 28 | 47% |
| July | 10 | 17% |
| August | 0 | 0% |
| September | 8 | 13% |
| October | 0 | 0% |
| November | 2 | 3% |
| December | 0 | 0% |
Year-by-year detail
| Year of loss | Claims | Paid |
|---|---|---|
| 2025 | 2 | $504K |
| 2015 | 2 | $11K |
| 2008 | 3 | $30K |
| 2006 | 1 | $1K |
| 2005 | 1 | $2K |
| 2003 | 2 | $8K |
| 1998 | 1 | $0 |
| 1996 | 1 | $5K |
| 1993 | 3 | $5K |
| 1991 | 1 | $1K |
| 1989 | 2 | $0 |
| 1984 | 5 | $234 |
| 1983 | 2 | $0 |
| 1982 | 5 | $20K |
| 1981 | 14 | $49K |
| 1980 | 2 | $2K |
| 1979 | 3 | $2K |
| 1978 | 10 | $15K |
Neighboring counties
| Neighbor | Claims | Paid | Outside high-risk |
|---|---|---|---|
| Audrain County (this page) | 60 | $656K | 23% |
| Pike County | 938 | $10.5M | 6% |
| Callaway County | 316 | $4.5M | 5% |
| Boone County | 195 | $4.1M | 32% |
| Montgomery County | 126 | $1.3M | 3% |
| Ralls County | 51 | $929K | 43% |
| Monroe County | 12 | $199K | 0% |
| Randolph County | 3 | $2K | 67% |
All 107 Missouri counties → · County and ZIP rankings →
Common questions about flooding in Audrain County
- Has Audrain County flooded recently?
- The most recent flood loss with an insurance claim on file was on 2025-06-30, in FEMA data through 2026-09-08. Claims were filed in 1 of the 10 years to 2026 (2 claims).
- Has Audrain County had a FEMA disaster declaration?
- Yes — Audrain County has been named a designated area in 19 federal disaster declarations since 1974. The most recent is Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (DR-4612-MO, declared 2021-09-01). There have been none since 2024. See the full list with dates and aid programs →
- What flood zone is Audrain County in?
- No single zone covers a whole county. Across 56 Audrain County claims with a zone on file, the most common was Zone A1–A30 (46%), and 77% 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 29007, 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.