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Boone County, MO flood insurance claims history

195 claims under the National Flood Insurance Program on file for flood losses in Boone County since 1979, with $4.1M paid. The worst year was 1993 with 36 claims. Boone County ranks #32 of 107 in Missouri by claim count.

What the Boone County record shows

32% of claims with a zone on file came from outside FEMA's high-risk zones, well above the 14% across Missouri.
11% of all claims trace to one event, Midwest Flooding (1993), which paid $447K here.
Per claim, the costliest named event was Hurricane Ike (2008), averaging $140K across 7 claims.
2016–2025 brought 21 claims, 32% fewer than 2006–2015 (31). Counts also move with how many buildings held a policy.
The average paid claim is $28K, above the Missouri average of $23K (nominal dollars).
27% of claims closed without a payment, against 15% statewide.
ZIP codes 65203, 65039 and 65201 hold 82% of claims, out of 10 ZIP codes with any.
May through July accounts for 58% of losses.
Cole County has the most claims among its neighbors (416, against 195 here).

NFIP claims

195

1979–2025

Total paid

$4.1M

nominal dollars, not inflation-adjusted

Claims paid

73%

143 received a payment

Average payout

$28K

per paid claim

Last 10 years

claims 2017 – 2026

Most recent loss

2025-04-20

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: 36 claims in 1993

'80

'85

'90

'95

'00

'05

'10

'15

'20

'25

Biggest flood events in Boone County

Flood event (FEMA name)	Claims	Paid	Avg / claim	Year
Midwest Flooding	21	$447K	$21K	1993
Flooding (FEMA general label)	12	$30K	$2K	1995
Hurricane Ike	7	$983K	$140K	2008
Not a named storm	5	$66K	$13K	1982
Late spring severe storms	3	$12K	$4K	2017
Flooding (FEMA general label)	2	$23K	$12K	1990
Flooding (FEMA general label)	1	$0	$0	1986
Late spring storms	1	$0	$0	2011
Flooding (FEMA general label)	1	$0	$0	1994
Flooding (FEMA general label)	1	$379	$379	1984

28% of claims here fall under these 10 entries.How to read these labels.

Federal disaster declarations for Boone County

Boone County has been a designated area in 27 declarations since 1973, 24 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
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
2017-06-02	DR-4317-MO major disaster	Flood	Severe Storms, Tornadoes, Straight-Line Winds and Flooding	2017-04-28 → 2017-05-11	Public Assistance, Hazard Mitigation
2016-01-02	EM-3374-MO emergency	Flood	Severe Storms, Tornadoes, Straight-Line Winds, and Flooding	2015-12-22 → 2016-01-09	Public Assistance
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
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	Individual 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
2007-01-15	DR-1676-MO major disaster	Severe Ice Storm	Severe Winter Storms and Flooding	2007-01-12 → 2007-01-22	Public Assistance, Hazard Mitigation
2006-12-29	DR-1673-MO major disaster	Severe Storm	Severe Winter Storms	2006-11-30 → 2006-12-02	Public Assistance, Hazard Mitigation
2006-03-16	DR-1631-MO major disaster	Severe Storm	Severe Storms, Tornadoes and Flooding	2006-03-08 → 2006-03-13	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
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
2002-05-06	DR-1412-MO major disaster	Severe Storm	Severe Storms, Tornadoes and Flooding	2002-04-24 → 2002-06-10	Public 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
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
1990-05-24	DR-867-MO major disaster	Flood	Severe Storms & Flooding	1990-05-15 → 1990-05-31	Individual Assistance, Public Assistance
1986-10-14	DR-779-MO major disaster	Flood	Severe Storms & Flooding	1986-09-18 → 1986-10-15	Individual Assistance
1976-09-24	EM-3017-MO emergency	Drought	Drought	1976-09-24	Public Assistance
1973-04-19	DR-372-MO major disaster	Severe Storm	Heavy Rains, Tornadoes & Flooding	1973-04-19	Individual Assistance, Public Assistance

OpenFEMA data through 2026-11-02; only declarations naming Boone County itself are listed. 11 of these 27 opened Individual Assistance here. What a declaration does and does not pay for.

Flood zones in Boone County: which ones the claims came from

High-risk A zones: 128 (66%)Coastal high-risk V zones: 0 (0%)Moderate / low-risk zones (B, C, X): 61 (31%)Zone not recorded: 6 (3%)

The most common zone on Boone County claims is Zone A1–A30 — 93 of 189 claims with a zone on file (49%). 68% 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	93	49%	$1.8M	$19K
Zone X · moderate / low risk	26	14%	$274K	$11K
Zone B · moderate / low risk	23	12%	$62K	$3K
Zone AE · high risk, insurance required	20	11%	$1.5M	$77K
Zone A · high risk, insurance required	15	8%	$191K	$13K
Zone C · moderate / low risk	12	6%	$226K	$19K

6 Boone 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	69	35%
Stream, river or lake overflow	64	33%
Tidal water overflow (storm surge)	47	24%
Other causes	11	6%
Not recorded	4	2%

Flood claims by ZIP code in Boone County

11 ZIP codes with at least one claim FEMA assigned to Boone County.


65203	102	$3.1M	52%	27	2025
65039	29	$484K	15%	7	2019
65201	28	$423K	14%	11	2014
65202	22	$46K	11%	11	2017
Not reported	6	$29K	3%	4	1990
65284	3	$9K	2%	2	2008
65255	1	$0	1%	1	2011
63386	1	$0	1%	1	1986
65279	1	$5K	1%	1	1993
65010	1	$566	1%	1	1983
65240	1	$0	1%	1	2013

When does Boone County flood?

July accounts for the most flood losses (45 claims, 23%). Claims by month of loss:

Month	Claims	Share
January	0	0%
February	4	2%
March	7	4%
April	18	9%
May	41	21%
June	28	14%
July	45	23%
August	11	6%
September	28	14%
October	3	2%
November	4	2%
December	6	3%

Year-by-year detail

Year of loss	Claims	Paid
2025	1	$3K
2024	1	$0
2021	7	$772K
2019	4	$78K
2017	3	$12K
2016	5	$13K
2015	2	$30K
2014	7	$44K
2013	5	$49K
2011	1	$0
2010	2	$6K
2009	4	$711K
2008	10	$991K
2004	1	$185K
2002	1	$15K
2001	4	$80K
1997	4	$8K
1995	14	$50K
1994	2	$480
1993	36	$552K
1992	2	$2K
1990	12	$56K
1986	1	$0
1985	1	$28K
1984	7	$12K
1983	9	$52K
1982	13	$149K
1981	23	$111K
1980	5	$0
1979	8	$56K

Neighboring counties

Neighbor	Claims	Paid	Outside high-risk
Boone County (this page)	195	$4.1M	32%
Cole County	416	$7.6M	15%
Callaway County	316	$4.5M	5%
Howard County	69	$859K	18%
Audrain County	60	$656K	23%
Moniteau County	27	$261K	11%
Cooper County	9	$137K	38%
Randolph County	3	$2K	67%

All 107 Missouri counties → · County and ZIP rankings →

Common questions about flooding in Boone County

Has Boone County flooded recently?: The most recent flood loss with an insurance claim on file was on 2025-04-20, in FEMA data through 2026-09-08. Claims were filed in 5 of the 10 years to 2026 (16 claims).
Has Boone County had a FEMA disaster declaration?: Yes — Boone County has been named a designated area in 27 federal disaster declarations since 1973. 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 Boone County in?: No single zone covers a whole county. Across 189 Boone County claims with a zone on file, the most common was Zone A1–A30 (49%), and 68% 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 29019, 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.