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Butler County, MO flood insurance claims history

517 claims under the National Flood Insurance Program on file for flood losses in Butler County since 1979, with $10.1M paid. The worst year was 2008 with 158 claims. Butler County ranks #15 of 107 in Missouri by claim count.

What the Butler County record shows

12% of claims with a zone on file came from outside FEMA's high-risk zones.
28% of all claims trace to one event, March storm (2008), which paid $4.3M here.
Per claim, the costliest named event was Central U.S. April Flooding (2025), averaging $46K across 5 claims.
2008 alone produced 31% of the claims on file.
2016–2025 brought 92 claims, 72% fewer than 2006–2015 (328). Counts also move with how many buildings held a policy.
ZIP codes 63901, 63961 and 63967 hold 88% of claims, out of 10 ZIP codes with any.
March through May accounts for 77% of losses.
Butler County has more claims than any of its 5 neighbors.

NFIP claims

517

1979–2025

Total paid

$10.1M

nominal dollars, not inflation-adjusted

Claims paid

80%

414 received a payment

Average payout

$24K

per paid claim

Last 10 years

claims 2017 – 2026

Most recent loss

2025-04-05

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: 158 claims in 2008

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Biggest flood events in Butler County

Flood event (FEMA name)	Claims	Paid	Avg / claim	Year
March storm	144	$4.3M	$30K	2008
Mid-spring storms	135	$2.4M	$18K	2011
Late spring severe storms	68	$2.2M	$33K	2017
Not a named storm	12	$48K	$4K	1982
Early winter storms	7	$21K	$3K	2015
Flooding (FEMA general label)	6	$8K	$1K	1982
Central U.S. April Flooding	5	$231K	$46K	2025
Flooding (FEMA general label)	3	$12K	$4K	1985

74% of claims here fall under these 8 entries.How to read these labels.

Federal disaster declarations for Butler County

Butler County has been a designated area in 23 declarations since 1973, 20 of them for flooding, storms or hurricanes. Since 2024 it has been included in 3: Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (DR-4872-MO, 2025), Severe Storms, Straight-Line Winds, Tornadoes, and Wildfires (DR-4867-MO, 2025), Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (DR-4803-MO, 2024).

Declared	FEMA number	Incident	Declared for	Dates of the incident	Aid unlocked here
2025-05-21	DR-4872-MO major disaster	Severe Storm	Severe Storms, Straight-Line Winds, Tornadoes, and Flooding	2025-03-30 → 2025-04-08	Individual Assistance, Public Assistance
2025-05-21	DR-4867-MO major disaster	Severe Storm	Severe Storms, Straight-Line Winds, Tornadoes, and Wildfires	2025-03-14 → 2025-03-15	Individual Assistance, Public Assistance
2024-07-23	DR-4803-MO major disaster	Severe Storm	Severe Storms, Straight-Line Winds, Tornadoes, and Flooding	2024-05-19 → 2024-05-27	Individual Assistance, Public Assistance, Hazard Mitigation
2020-07-09	DR-4552-MO major disaster	Severe Storm	Severe Storms, Tornadoes, Straight-Line Winds, and Flooding	2020-05-03 → 2020-05-04	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
2017-06-02	DR-4317-MO major disaster	Flood	Severe Storms, Tornadoes, Straight-Line Winds and Flooding	2017-04-28 → 2017-05-11	Individual Assistance, 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
2011-05-09	DR-1980-MO major disaster	Severe Storm	Severe Storms, Tornadoes, and Flooding	2011-04-19 → 2011-06-06	Individual Assistance, Public Assistance, Hazard Mitigation
2011-02-03	EM-3317-MO emergency	Severe Storm	Severe Winter Storm	2011-01-31 → 2011-02-05	Public Assistance
2009-02-17	DR-1822-MO major disaster	Severe Storm	Severe Winter Storm	2009-01-26 → 2009-01-28	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
2008-11-13	DR-1809-MO major disaster	Severe Storm	Severe Storms, Flooding, and a Tornado	2008-09-11 → 2008-09-24	Public Assistance, Hazard Mitigation
2008-03-19	DR-1749-MO major disaster	Severe Storm	Severe Storms and Flooding	2008-03-17 → 2008-05-09	Individual Assistance, Public Assistance, Hazard Mitigation
2008-03-12	DR-1748-MO major disaster	Severe Ice Storm	Severe Winter Storms and Flooding	2008-02-10 → 2008-02-14	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
2006-04-05	DR-1635-MO major disaster	Severe Storm	Severe Storms, Tornadoes, and Flooding	2006-03-30 → 2006-04-03	Individual Assistance, Hazard Mitigation
2005-09-10	EM-3232-MO emergency	Hurricane	Hurricane Katrina Evacuation	2005-08-29 → 2005-10-01	Public Assistance
2002-05-06	DR-1412-MO major disaster	Severe Storm	Severe Storms, Tornadoes and Flooding	2002-04-24 → 2002-06-10	Individual Assistance, Public Assistance, Hazard Mitigation
1993-12-01	DR-1006-MO major disaster	Severe Storm	Severe Storms, Tornadoes, and Flooding	1993-11-13 → 1993-11-19	Individual Assistance
1982-12-10	DR-672-MO major disaster	Flood	Severe Storms and Flooding	1982-12-10	Public 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 Butler County itself are listed. 11 of these 23 opened Individual Assistance here. What a declaration does and does not pay for.

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

High-risk A zones: 437 (85%)Coastal high-risk V zones: 0 (0%)Moderate / low-risk zones (B, C, X): 57 (11%)Zone not recorded: 23 (4%)

The most common zone on Butler County claims is Zone AH — 156 of 494 claims with a zone on file (32%). 88% were in a high-risk Special Flood Hazard Area.

Flood zone at rating	Claims	Share	Paid	Avg / claim
Zone AH (filed as AH, AHB) · high risk, insurance required	156	32%	$1.9M	$12K
Zone A · high risk, insurance required	131	27%	$1.2M	$10K
Zone AE · high risk, insurance required	96	19%	$3.8M	$40K
Zone A1–A30 · high risk, insurance required	54	11%	$1.9M	$35K
Zone X · moderate / low risk	36	7%	$771K	$21K
Zone C · moderate / low risk	13	3%	$109K	$8K
Zone B · moderate / low risk	8	2%	$183K	$23K

23 Butler 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	262	51%
Accumulation of rainfall or snowmelt	181	35%
Other causes	31	6%
Tidal water overflow (storm surge)	30	6%
Not recorded	12	2%
Alluvial fan overflow	1	0%

Flood claims by ZIP code in Butler County

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


63901	371	$6.8M	72%	33	2025
63961	46	$678K	9%	15	2025
63967	36	$2.0M	7%	5	2017
63932	25	$256K	5%	4	2017
63954	18	$310K	3%	4	2017
63940	8	$82K	2%	4	2015
63962	6	$30K	1%	2	2011
63945	3	$20K	1%	3	2025
Not reported	2	$12K	0%	2	1982
63902	1	$292	0%	1	1982
63966	1	$577	0%	1	2017

When does Butler County flood?

April accounts for the most flood losses (176 claims, 34%). Claims by month of loss:

Month	Claims	Share
January	14	3%
February	12	2%
March	161	31%
April	176	34%
May	62	12%
June	9	2%
July	3	1%
August	14	3%
September	13	3%
October	3	1%
November	8	2%
December	42	8%

Year-by-year detail

Year of loss	Claims	Paid
2025	5	$231K
2024	1	$21K
2019	1	$2K
2018	2	$21K
2017	70	$2.2M
2016	13	$238K
2015	9	$21K
2014	2	$11K
2013	3	$62K
2011	136	$2.4M
2010	6	$5K
2009	6	$89K
2008	158	$4.4M
2007	2	$22K
2006	6	$47K
2005	1	$4K
2004	1	$0
2003	1	$0
2002	14	$53K
2001	10	$49K
1999	4	$18K
1998	1	$7K
1997	2	$15K
1996	1	$7K
1994	6	$31K
1993	2	$6K
1991	8	$33K
1990	3	$11K
1989	3	$1K
1988	1	$229
1985	4	$13K
1984	5	$16K
1983	2	$0
1982	21	$61K
1980	2	$0
1979	5	$5K

Neighboring counties

Neighbor	Claims	Paid	Outside high-risk
Butler County (this page)	517	$10.1M	12%
Ripley County	244	$12.4M	7%
Wayne County	141	$3.2M	9%
Carter County	123	$5.4M	13%
Stoddard County	102	$1.1M	16%
Dunklin County	58	$399K	25%

All 107 Missouri counties → · County and ZIP rankings →

Common questions about flooding in Butler County

Has Butler County flooded recently?: The most recent flood loss with an insurance claim on file was on 2025-04-05, in FEMA data through 2026-09-08. Claims were filed in 5 of the 10 years to 2026 (79 claims).
Has Butler County had a FEMA disaster declaration?: Yes — Butler County has been named a designated area in 23 federal disaster declarations since 1973. The most recent is Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (DR-4872-MO, declared 2025-05-21), which opened Individual Assistance here. Since 2024 there have been 3. See the full list with dates and aid programs →
What flood zone is Butler County in?: No single zone covers a whole county. Across 494 Butler County claims with a zone on file, the most common was Zone AH (32%), and 88% 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 29023, 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.