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Carter County, MO flood insurance claims history
123 claims under the National Flood Insurance Program on file for flood losses in Carter County since 1982, with $5.4M paid. The worst year was 2017 with 32 claims. Carter County ranks #46 of 107 in Missouri by claim count.
What the Carter County record shows
- 13% of claims with a zone on file came from outside FEMA's high-risk zones.
- 25% of all claims trace to one event, Late spring severe storms (2017), which paid $4.1M here.
- 2017 alone produced 26% of the claims on file.
- Claims came in just 2 of the 10 years to 2026.
- 2016–2025 brought 33 claims, 27% fewer than 2006–2015 (45). Counts also move with how many buildings held a policy.
- The average paid claim is $54K, above the Missouri average of $23K (nominal dollars).
- ZIP codes 63965, 63941 and 63937 hold 98% of claims, out of 5 ZIP codes with any.
- March through May accounts for 63% of losses.
- Butler County has the most claims among its neighbors (517, against 123 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 Carter County
| Flood event (FEMA name) | Claims | Paid | Avg / claim | Year |
|---|---|---|---|---|
| Late spring severe storms | 31 | $4.1M | $133K | 2017 |
| March storm | 20 | $496K | $25K | 2008 |
| Mid-spring storms | 8 | $37K | $5K | 2011 |
| Early winter storms | 6 | $56K | $9K | 2015 |
| Flooding (FEMA general label) | 5 | $35K | $7K | 1985 |
| Midwest Flooding | 1 | $2K | $2K | 1993 |
| Not a named storm | 1 | $13K | $13K | 1982 |
| Late spring storms | 1 | $0 | $0 | 2011 |
59% of claims here fall under these 8 entries.How to read these labels.
Federal disaster declarations for Carter County
Carter County has been a designated area in 22 declarations since 1976, 19 of them for flooding, storms or hurricanes. Since 2024 it has been included in 4: 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, Tornadoes, Straight-Line Winds, and Flooding (DR-4855-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 |
| 2025-01-01 | DR-4855-MO major disaster | Severe Storm | Severe Storms, Tornadoes, Straight-Line Winds, and Flooding | 2024-11-03 → 2024-11-09 | Public Assistance, Hazard Mitigation |
| 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 |
| 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, Public Assistance |
| 1982-12-10 | DR-672-MO major disaster | Flood | Severe Storms and Flooding | 1982-12-10 | Individual Assistance, Public Assistance |
| 1976-09-24 | EM-3017-MO emergency | Drought | Drought | 1976-09-24 | Public Assistance |
OpenFEMA data through 2026-11-02; only declarations naming Carter County itself are listed. 10 of these 22 opened Individual Assistance here. What a declaration does and does not pay for.
Flood zones in Carter County: which ones the claims came from
The most common zone on Carter County claims is Zone A — 90 of 104 claims with a zone on file (87%). 87% were in a high-risk Special Flood Hazard Area.
| Flood zone at rating | Claims | Share | Paid | Avg / claim |
|---|---|---|---|---|
| Zone A · high risk, insurance required | 90 | 87% | $3.1M | $35K |
| Zone C · moderate / low risk | 8 | 8% | $964K | $121K |
| Zone X · moderate / low risk | 6 | 6% | $1.1M | $175K |
19 Carter 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 | 70 | 57% |
| Accumulation of rainfall or snowmelt | 33 | 27% |
| Tidal water overflow (storm surge) | 9 | 7% |
| Other causes | 8 | 7% |
| Not recorded | 3 | 2% |
Flood claims by ZIP code in Carter County
5 ZIP codes with at least one claim FEMA assigned to Carter County.
When does Carter County flood?
April accounts for the most flood losses (40 claims, 33%). Claims by month of loss:
| Month | Claims | Share |
|---|---|---|
| January | 0 | 0% |
| February | 5 | 4% |
| March | 20 | 16% |
| April | 40 | 33% |
| May | 17 | 14% |
| June | 7 | 6% |
| July | 2 | 2% |
| August | 1 | 1% |
| September | 1 | 1% |
| October | 2 | 2% |
| November | 21 | 17% |
| December | 7 | 6% |
Year-by-year detail
| Year of loss | Claims | Paid |
|---|---|---|
| 2023 | 1 | $0 |
| 2017 | 32 | $4.1M |
| 2015 | 6 | $56K |
| 2014 | 6 | $151K |
| 2013 | 1 | $0 |
| 2011 | 9 | $37K |
| 2009 | 1 | $9K |
| 2008 | 21 | $496K |
| 2007 | 1 | $16K |
| 2003 | 2 | $2K |
| 2002 | 13 | $100K |
| 1993 | 14 | $339K |
| 1992 | 1 | $4K |
| 1985 | 12 | $97K |
| 1983 | 2 | $8K |
| 1982 | 1 | $13K |
Neighboring counties
| Neighbor | Claims | Paid | Outside high-risk |
|---|---|---|---|
| Carter County (this page) | 123 | $5.4M | 13% |
| Butler County | 517 | $10.1M | 12% |
| Ripley County | 244 | $12.4M | 7% |
| Reynolds County | 141 | $3.0M | 13% |
| Wayne County | 141 | $3.2M | 9% |
| Oregon County | 39 | $490K | 3% |
| Shannon County | 18 | $158K | 0% |
All 107 Missouri counties → · County and ZIP rankings →
Common questions about flooding in Carter County
- Has Carter County flooded recently?
- The most recent flood loss with an insurance claim on file was on 2023-10-01, in FEMA data through 2026-09-08. Claims were filed in 2 of the 10 years to 2026 (33 claims).
- Has Carter County had a FEMA disaster declaration?
- Yes — Carter County has been named a designated area in 22 federal disaster declarations since 1976. 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 4. See the full list with dates and aid programs →
- What flood zone is Carter County in?
- No single zone covers a whole county. Across 104 Carter County claims with a zone on file, the most common was Zone A (87%), and 87% 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 29035, 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.