ZipFactbookHome › Flood claims › Missouri › Chariton County
Chariton County, MO flood insurance claims history
57 claims under the National Flood Insurance Program on file for flood losses in Chariton County since 1985, with $821K paid. The worst year was 2019 with 15 claims. Chariton County ranks #61 of 107 in Missouri by claim count.
What the Chariton County record shows
- 4% of claims with a zone on file came from outside FEMA's high-risk zones, well below the 14% across Missouri.
- 16% of all claims trace to one event, Midwest Flooding (1993), which paid $128K here.
- 2019 alone produced 26% of the claims on file.
- Claims came in just 1 of the 10 years to 2026.
- 2016–2025 brought 15 claims, 67% more than 2006–2015 (9). 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 65236, 65286 and 64681 hold 88% of claims, out of 6 ZIP codes with any.
- May through July accounts for 84% of losses.
- Carroll County has the most claims among its neighbors (179, against 57 here).
NFIP claims
57
1985–2019
Total paid
$821K
nominal dollars, not inflation-adjusted
Claims paid
89%
51 received a payment
Average payout
$16K
per paid claim
Last 10 years
15
claims 2017 – 2026
Most recent loss
2019-06-23
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.
Loading claim records…
Flood claims by year
Peak: 15 claims in 2019
Biggest flood events in Chariton County
| Flood event (FEMA name) | Claims | Paid | Avg / claim | Year |
|---|---|---|---|---|
| Midwest Flooding | 9 | $128K | $14K | 1993 |
| Flooding (FEMA general label) | 7 | $56K | $8K | 1995 |
| Hurricane Ike | 2 | $4K | $2K | 2008 |
32% of claims here fall under these 3 entries.How to read these labels.
Federal disaster declarations for Chariton County
Chariton County has been a designated area in 28 declarations since 1973, 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 |
| 2015-08-07 | DR-4238-MO major disaster | Severe Storm | Severe Storms, Tornadoes, Straight-Line Winds, and Flooding | 2015-05-15 → 2015-07-27 | Public Assistance, Hazard Mitigation |
| 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 |
| 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 |
| 2008-11-13 | 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 |
| 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 |
| 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 |
| 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, 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 | Public Assistance |
| 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 |
| 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 Chariton County itself are listed. 12 of these 28 opened Individual Assistance here. What a declaration does and does not pay for.
Flood zones in Chariton County: which ones the claims came from
High-risk A zones: 55 (96%)Coastal high-risk V zones: 0 (0%)Moderate / low-risk zones (B, C, X): 2 (4%)Zone not recorded: 0 (0%)
The most common zone on Chariton County claims is Zone A1–A30 — 24 of 57 claims with a zone on file (42%). 96% 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 | 24 | 42% | $193K | $8K |
| Zone AE · high risk, insurance required | 16 | 28% | $221K | $14K |
| Zone A · high risk, insurance required | 15 | 26% | $394K | $26K |
| Zone X · moderate / low risk | 1 | 2% | $12K | $12K |
| Zone B · moderate / low risk | 1 | 2% | $361 | $361 |
Which zones require flood insurance →
What caused the flooding
| Cause of damage (as coded by FEMA) | Claims | Share |
|---|---|---|
| Stream, river or lake overflow | 44 | 77% |
| Accumulation of rainfall or snowmelt | 7 | 12% |
| Other causes | 3 | 5% |
| Tidal water overflow (storm surge) | 3 | 5% |
Flood claims by ZIP code in Chariton County
6 ZIP codes with at least one claim FEMA assigned to Chariton County.
| 65236 | 40 | $393K | 70% | 7 | 2019 |
| 65286 | 6 | $119K | 11% | 2 | 2019 |
| 64681 | 4 | $207K | 7% | 2 | 2019 |
| 65261 | 3 | $51K | 5% | 1 | 2008 |
| 64660 | 3 | $40K | 5% | 2 | 1996 |
| 64676 | 1 | $11K | 2% | 1 | 1985 |
When does Chariton County flood?
May accounts for the most flood losses (27 claims, 47%). Claims by month of loss:
| Month | Claims | Share |
|---|---|---|
| January | 0 | 0% |
| February | 0 | 0% |
| March | 0 | 0% |
| April | 1 | 2% |
| May | 27 | 47% |
| June | 11 | 19% |
| July | 10 | 18% |
| August | 1 | 2% |
| September | 5 | 9% |
| October | 2 | 4% |
| November | 0 | 0% |
| December | 0 | 0% |
Year-by-year detail
| Year of loss | Claims | Paid |
|---|---|---|
| 2019 | 15 | $273K |
| 2008 | 9 | $292K |
| 2002 | 1 | $0 |
| 1998 | 2 | $13K |
| 1996 | 8 | $42K |
| 1995 | 9 | $58K |
| 1993 | 11 | $132K |
| 1986 | 1 | $361 |
| 1985 | 1 | $11K |
Neighboring counties
| Neighbor | Claims | Paid | Outside high-risk |
|---|---|---|---|
| Chariton County (this page) | 57 | $821K | 4% |
| Carroll County | 179 | $3.7M | 7% |
| Howard County | 69 | $859K | 18% |
| Livingston County | 24 | $317K | 36% |
| Linn County | 22 | $215K | 29% |
| Saline County | 16 | $272K | 13% |
| Randolph County | 3 | $2K | 67% |
| Macon County | 2 | $8K | 50% |
All 107 Missouri counties → · County and ZIP rankings →
Common questions about flooding in Chariton County
- Has Chariton County flooded recently?
- The most recent flood loss with an insurance claim on file was on 2019-06-23, in FEMA data through 2026-09-08. Claims were filed in 1 of the 10 years to 2026 (15 claims).
- Has Chariton County had a FEMA disaster declaration?
- Yes — Chariton County has been named a designated area in 28 federal disaster declarations since 1973. 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 Chariton County in?
- No single zone covers a whole county. Across 57 Chariton County claims with a zone on file, the most common was Zone A1–A30 (42%), and 96% 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 29041, 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.