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Callaway County, MO flood insurance claims history
316 claims under the National Flood Insurance Program on file for flood losses in Callaway County since 1978, with $4.5M paid. The worst year was 1993 with 109 claims. Callaway County ranks #23 of 107 in Missouri by claim count.
What the Callaway County record shows
- 5% of claims with a zone on file came from outside FEMA's high-risk zones.
- 31% of all claims trace to one event, Midwest Flooding (1993), which paid $1.9M here.
- 1993 alone produced 34% of the claims on file.
- 2016–2025 brought 28 claims, 56% more than 2006–2015 (18). Counts also move with how many buildings held a policy.
- The average paid claim is $16K, below the Missouri average of $23K (nominal dollars).
- ZIP codes 65101, 65022 and 65251 hold 66% of claims, out of 18 ZIP codes with any.
- May through July accounts for 72% of losses.
- Cole County has the most claims among its neighbors (416, against 316 here).
NFIP claims
316
1978–2021
Total paid
$4.5M
nominal dollars, not inflation-adjusted
Claims paid
89%
280 received a payment
Average payout
$16K
per paid claim
Last 10 years
22
claims 2017 – 2026
Most recent loss
2021-07-01
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: 109 claims in 1993
Biggest flood events in Callaway County
| Flood event (FEMA name) | Claims | Paid | Avg / claim | Year |
|---|---|---|---|---|
| Midwest Flooding | 97 | $1.9M | $19K | 1993 |
| Flooding (FEMA general label) | 64 | $923K | $14K | 1995 |
| Flooding (FEMA general label) | 20 | $162K | $8K | 1986 |
| Flooding (FEMA general label) | 16 | $65K | $4K | 1990 |
| Flooding (FEMA general label) | 7 | $17K | $2K | 1985 |
| Hurricane Ike | 6 | $63K | $10K | 2008 |
| Flooding (FEMA general label) | 5 | $44K | $9K | 1994 |
| Not a named storm | 3 | $9K | $3K | 1982 |
| Flooding (FEMA general label) | 1 | $3K | $3K | 1998 |
| Late spring severe storms | 1 | $6K | $6K | 2017 |
| Not a named storm | 1 | $0 | $0 | 2008 |
70% of claims here fall under these 11 entries.How to read these labels.
Federal disaster declarations for Callaway County
Callaway County has been a designated area in 29 declarations since 1973, 26 of them for flooding, storms or hurricanes. Since 2024 it has been included in 2: Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (DR-4929-MO, 2026), Severe Storms, Straight-Line Winds, Tornadoes, and Wildfires (DR-4867-MO, 2025).
| 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 |
| 2025-05-21 | DR-4867-MO major disaster | Severe Storm | Severe Storms, Straight-Line Winds, Tornadoes, and Wildfires | 2025-03-14 → 2025-03-15 | 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 |
| 2016-01-02 | EM-3374-MO emergency | Flood | Severe Storms, Tornadoes, Straight-Line Winds, and Flooding | 2015-12-22 → 2016-01-09 | Public Assistance |
| 2013-07-18 | DR-4130-MO major disaster | Severe Storm | Severe Storms, Straight-Line Winds, Tornadoes, and Flooding | 2013-05-29 → 2013-06-10 | 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 |
| 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, Public Assistance, Hazard Mitigation |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 1994-04-21 | DR-1023-MO major disaster | Severe Storm | Severe Storms, Tornadoes, Flooding | 1994-04-09 → 1994-05-05 | Individual Assistance |
| 1993-07-09 | DR-995-MO major disaster | Flood | Severe Storms & Flooding | 1993-06-10 → 1993-10-25 | 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, Public Assistance |
| 1976-09-24 | EM-3017-MO emergency | Drought | Drought | 1976-09-24 | 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 |
OpenFEMA data through 2026-11-02; only declarations naming Callaway County itself are listed. 12 of these 29 opened Individual Assistance here. What a declaration does and does not pay for.
Flood zones in Callaway County: which ones the claims came from
High-risk A zones: 272 (86%)Coastal high-risk V zones: 0 (0%)Moderate / low-risk zones (B, C, X): 15 (5%)Zone not recorded: 29 (9%)
The most common zone on Callaway County claims is Zone A1–A30 — 196 of 287 claims with a zone on file (68%). 95% 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 | 196 | 68% | $2.7M | $14K |
| Zone AE · high risk, insurance required | 41 | 14% | $1.2M | $29K |
| Zone A · high risk, insurance required | 35 | 12% | $325K | $9K |
| Zone C · moderate / low risk | 7 | 2% | $105K | $15K |
| Zone X · moderate / low risk | 4 | 1% | $5K | $1K |
| Zone B · moderate / low risk | 4 | 1% | $46K | $12K |
29 Callaway 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 | 216 | 68% |
| Accumulation of rainfall or snowmelt | 56 | 18% |
| Tidal water overflow (storm surge) | 36 | 11% |
| Other causes | 5 | 2% |
| Not recorded | 3 | 1% |
Flood claims by ZIP code in Callaway County
19 ZIP codes with at least one claim FEMA assigned to Callaway County.
| 65101 | 104 | $2.5M | 33% | 11 | 2019 |
| 65022 | 57 | $788K | 18% | 5 | 1995 |
| 65251 | 46 | $252K | 15% | 16 | 2017 |
| 65059 | 45 | $279K | 14% | 12 | 2019 |
| 65043 | 18 | $129K | 6% | 9 | 2019 |
| 65080 | 10 | $179K | 3% | 3 | 1995 |
| 65077 | 8 | $31K | 3% | 5 | 2019 |
| Not reported | 5 | $76K | 2% | 3 | 1993 |
| 63388 | 4 | $41K | 1% | 4 | 1982 |
| 65102 | 4 | $58K | 1% | 2 | 1995 |
| 65109 | 3 | $68K | 1% | 2 | 1995 |
| 65231 | 3 | $0 | 1% | 2 | 2021 |
| 65009 | 2 | $13K | 1% | 2 | 1995 |
| 63102 | 2 | $59K | 1% | 2 | 1981 |
| 65105 | 1 | $750 | 0% | 1 | 1995 |
| 65067 | 1 | $741 | 0% | 1 | 1995 |
| 65023 | 1 | $7K | 0% | 1 | 1993 |
| 65063 | 1 | $0 | 0% | 1 | 2006 |
| 63000 | 1 | $25K | 0% | 1 | 1993 |
When does Callaway County flood?
July accounts for the most flood losses (109 claims, 34%). Claims by month of loss:
| Month | Claims | Share |
|---|---|---|
| January | 0 | 0% |
| February | 9 | 3% |
| March | 1 | 0% |
| April | 24 | 8% |
| May | 105 | 33% |
| June | 15 | 5% |
| July | 109 | 34% |
| August | 7 | 2% |
| September | 19 | 6% |
| October | 24 | 8% |
| November | 0 | 0% |
| December | 3 | 1% |
Year-by-year detail
| Year of loss | Claims | Paid |
|---|---|---|
| 2021 | 2 | $0 |
| 2020 | 1 | $0 |
| 2019 | 18 | $987K |
| 2017 | 1 | $6K |
| 2016 | 6 | $54K |
| 2014 | 2 | $5K |
| 2013 | 2 | $8K |
| 2012 | 1 | $0 |
| 2011 | 1 | $1K |
| 2010 | 3 | $15K |
| 2009 | 1 | $281 |
| 2008 | 7 | $63K |
| 2006 | 1 | $0 |
| 2001 | 1 | $4K |
| 1999 | 1 | $0 |
| 1998 | 5 | $5K |
| 1997 | 1 | $2K |
| 1995 | 65 | $923K |
| 1994 | 6 | $45K |
| 1993 | 109 | $2.0M |
| 1992 | 1 | $0 |
| 1990 | 17 | $66K |
| 1986 | 20 | $162K |
| 1985 | 8 | $18K |
| 1983 | 12 | $31K |
| 1982 | 13 | $26K |
| 1981 | 5 | $68K |
| 1979 | 1 | $7K |
| 1978 | 5 | $39K |
Neighboring counties
| Neighbor | Claims | Paid | Outside high-risk |
|---|---|---|---|
| Callaway County (this page) | 316 | $4.5M | 5% |
| Cole County | 416 | $7.6M | 15% |
| Boone County | 195 | $4.1M | 32% |
| Osage County | 180 | $3.4M | 20% |
| Montgomery County | 126 | $1.3M | 3% |
| Audrain County | 60 | $656K | 23% |
All 107 Missouri counties → · County and ZIP rankings →
Common questions about flooding in Callaway County
- Has Callaway County flooded recently?
- The most recent flood loss with an insurance claim on file was on 2021-07-01, in FEMA data through 2026-09-08. Claims were filed in 4 of the 10 years to 2026 (22 claims).
- Has Callaway County had a FEMA disaster declaration?
- Yes — Callaway County has been named a designated area in 29 federal disaster declarations since 1973. The most recent is Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (DR-4929-MO, declared 2026-08-03). Since 2024 there have been 2. See the full list with dates and aid programs →
- What flood zone is Callaway County in?
- No single zone covers a whole county. Across 287 Callaway County claims with a zone on file, the most common was Zone A1–A30 (68%), and 95% 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 29027, 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.