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Carroll County, MO flood insurance claims history
179 claims under the National Flood Insurance Program on file for flood losses in Carroll County since 1981, with $3.7M paid. The worst year was 1993 with 39 claims. Carroll County ranks #35 of 107 in Missouri by claim count.
What the Carroll County record shows
- 7% of claims with a zone on file came from outside FEMA's high-risk zones.
- 15% of all claims trace to one event, Midwest Flooding (1993), which paid $736K here.
- 1993 alone produced 22% of the claims on file.
- 2016–2025 brought 40 claims, 38% more than 2006–2015 (29). Counts also move with how many buildings held a policy.
- ZIP codes 64633, 64668 and 64687 hold 98% of claims, out of 4 ZIP codes with any.
- May through July accounts for 58% of losses.
- Ray County has the most claims among its neighbors (191, against 179 here).
NFIP claims
179
1981–2023
Total paid
$3.7M
nominal dollars, not inflation-adjusted
Claims paid
87%
155 received a payment
Average payout
$24K
per paid claim
Last 10 years
35
claims 2017 – 2026
Most recent loss
2023-04-15
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: 39 claims in 1993
Biggest flood events in Carroll County
| Flood event (FEMA name) | Claims | Paid | Avg / claim | Year |
|---|---|---|---|---|
| Midwest Flooding | 27 | $736K | $27K | 1993 |
| Flooding (FEMA general label) | 13 | $76K | $6K | 1995 |
| Late spring storms | 10 | $98K | $10K | 2011 |
| Hurricane Ike | 3 | $34K | $11K | 2008 |
| Flooding (FEMA general label) | 1 | $6K | $6K | 1985 |
30% of claims here fall under these 5 entries.How to read these labels.
Federal disaster declarations for Carroll County
Carroll County has been a designated area in 29 declarations since 1965, 25 of them for flooding, storms or hurricanes. Since 2024 it has been included in 1: Severe Storms, Tornadoes, and Flooding (DR-4924-MO, 2026).
| Declared | FEMA number | Incident | Declared for | Dates of the incident | Aid unlocked here |
|---|---|---|---|---|---|
| 2026-06-30 | DR-4924-MO major disaster | Severe Storm | Severe Storms, Tornadoes, and Flooding | 2026-04-23 → 2026-04-28 | 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 |
| 2011-08-12 | DR-4012-MO major disaster | Flood | Flooding | 2011-06-01 → 2011-08-01 | 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 | 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 |
| 2006-03-16 | 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 |
| 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 |
| 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, Public Assistance, Hazard Mitigation |
| 1998-10-14 | DR-1253-MO major disaster | Severe Storm | Severe Storms, Flooding and Tornadoes | 1998-10-04 → 1998-10-11 | Individual Assistance, Public 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 |
| 1977-05-07 | DR-535-MO major disaster | Tornado | Tornadoes & Flooding | 1977-05-07 | Individual Assistance, Public 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 Carroll County itself are listed. 14 of these 29 opened Individual Assistance here. What a declaration does and does not pay for.
Flood zones in Carroll County: which ones the claims came from
High-risk A zones: 141 (79%)Coastal high-risk V zones: 0 (0%)Moderate / low-risk zones (B, C, X): 11 (6%)Zone not recorded: 27 (15%)
The most common zone on Carroll County claims is Zone AE — 67 of 152 claims with a zone on file (44%). 93% were in a high-risk Special Flood Hazard Area.
| Flood zone at rating | Claims | Share | Paid | Avg / claim |
|---|---|---|---|---|
| Zone AE · high risk, insurance required | 67 | 44% | $1.5M | $22K |
| Zone A1–A30 · high risk, insurance required | 63 | 41% | $1.4M | $23K |
| Zone A · high risk, insurance required | 11 | 7% | $75K | $7K |
| Zone C · moderate / low risk | 7 | 5% | $536K | $77K |
| Zone B · moderate / low risk | 3 | 2% | $2K | $823 |
| Zone X · moderate / low risk | 1 | 1% | $0 | $0 |
27 Carroll 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 | 77 | 43% |
| Stream, river or lake overflow | 76 | 42% |
| Tidal water overflow (storm surge) | 16 | 9% |
| Other causes | 9 | 5% |
| Not recorded (expedited claim handling) | 1 | 1% |
Flood claims by ZIP code in Carroll County
5 ZIP codes with at least one claim FEMA assigned to Carroll County.
| 64633 | 146 | $3.2M | 82% | 17 | 2023 |
| 64668 | 25 | $194K | 14% | 6 | 2019 |
| 64687 | 5 | $79K | 3% | 2 | 1995 |
| Not reported | 2 | $190K | 1% | 1 | 1993 |
| 64665 | 1 | $22K | 1% | 1 | 2007 |
When does Carroll County flood?
June accounts for the most flood losses (37 claims, 21%). Claims by month of loss:
| Month | Claims | Share |
|---|---|---|
| January | 2 | 1% |
| February | 1 | 1% |
| March | 2 | 1% |
| April | 4 | 2% |
| May | 31 | 17% |
| June | 37 | 21% |
| July | 35 | 20% |
| August | 12 | 7% |
| September | 21 | 12% |
| October | 34 | 19% |
| November | 0 | 0% |
| December | 0 | 0% |
Year-by-year detail
| Year of loss | Claims | Paid |
|---|---|---|
| 2023 | 1 | $0 |
| 2021 | 4 | $232K |
| 2020 | 1 | $8K |
| 2019 | 29 | $806K |
| 2016 | 5 | $50K |
| 2011 | 10 | $98K |
| 2009 | 1 | $940 |
| 2008 | 4 | $34K |
| 2007 | 14 | $310K |
| 2002 | 3 | $1K |
| 1998 | 30 | $1.0M |
| 1995 | 13 | $76K |
| 1993 | 39 | $943K |
| 1990 | 1 | $7K |
| 1985 | 6 | $21K |
| 1983 | 3 | $2K |
| 1982 | 10 | $39K |
| 1981 | 5 | $20K |
Neighboring counties
| Neighbor | Claims | Paid | Outside high-risk |
|---|---|---|---|
| Carroll County (this page) | 179 | $3.7M | 7% |
| Ray County | 191 | $2.2M | 20% |
| Chariton County | 57 | $821K | 4% |
| Livingston County | 24 | $317K | 36% |
| Lafayette County | 18 | $276K | 18% |
| Saline County | 16 | $272K | 13% |
| Caldwell County | 1 | $271 | 0% |
All 107 Missouri counties → · County and ZIP rankings →
Common questions about flooding in Carroll County
- Has Carroll County flooded recently?
- The most recent flood loss with an insurance claim on file was on 2023-04-15, in FEMA data through 2026-09-08. Claims were filed in 4 of the 10 years to 2026 (35 claims).
- Has Carroll County had a FEMA disaster declaration?
- Yes — Carroll County has been named a designated area in 29 federal disaster declarations since 1965. The most recent is Severe Storms, Tornadoes, and Flooding (DR-4924-MO, declared 2026-06-30). Since 2024 there have been 1. See the full list with dates and aid programs →
- What flood zone is Carroll County in?
- No single zone covers a whole county. Across 152 Carroll County claims with a zone on file, the most common was Zone AE (44%), and 93% 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 29033, 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.