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Christian County, MO flood insurance claims history
78 claims under the National Flood Insurance Program on file for flood losses in Christian County since 1985, with $2.9M paid. The worst year was 2015 with 18 claims. Christian County ranks #54 of 107 in Missouri by claim count.
What the Christian County record shows
- 47% of claims with a zone on file came from outside FEMA's high-risk zones, well above the 14% across Missouri.
- 13% of all claims trace to one event, March storm (2008), which paid $228K here.
- Per claim, the costliest named event was Late spring severe storms (2017), averaging $34K across 7 claims.
- 2015 alone produced 23% of the claims on file.
- 2016–2025 brought 19 claims, 63% fewer than 2006–2015 (52). Counts also move with how many buildings held a policy.
- The average paid claim is $47K, above the Missouri average of $23K (nominal dollars).
- ZIP codes 65721, 65714 and 65753 hold 95% of claims, out of 7 ZIP codes with any.
- April through June accounts for 50% of losses.
- Taney County has the most claims among its neighbors (400, against 78 here).
NFIP claims
78
1985–2026
Total paid
$2.9M
nominal dollars, not inflation-adjusted
Claims paid
79%
62 received a payment
Average payout
$47K
per paid claim
Last 10 years
19
claims 2017 – 2026
Most recent loss
2026-06-08
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: 18 claims in 2015
Biggest flood events in Christian County
| Flood event (FEMA name) | Claims | Paid | Avg / claim | Year |
|---|---|---|---|---|
| March storm | 10 | $228K | $23K | 2008 |
| Late spring severe storms | 7 | $236K | $34K | 2017 |
| Mid-spring storms | 5 | $9K | $2K | 2011 |
| Early winter storms | 2 | $0 | $0 | 2015 |
| Hurricane Ike | 1 | $79K | $79K | 2008 |
32% of claims here fall under these 5 entries.How to read these labels.
Federal disaster declarations for Christian County
Christian County has been a designated area in 22 declarations since 1976, 19 of them for flooding, storms or hurricanes. None since 2024 — the most recent was DR-4741-MO (2023-09-21).
| Declared | FEMA number | Incident | Declared for | Dates of the incident | Aid unlocked here |
|---|---|---|---|---|---|
| 2023-09-21 | DR-4741-MO major disaster | Severe Storm | Severe Storms, Straight-Line Winds, Tornadoes, and Flooding | 2023-07-29 → 2023-08-14 | 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 |
| 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 |
| 2011-05-09 | DR-1980-MO major disaster | Severe Storm | Severe Storms, Tornadoes, and Flooding | 2011-04-19 → 2011-06-06 | Public Assistance, Hazard Mitigation |
| 2011-02-03 | EM-3317-MO emergency | Severe Storm | Severe Winter Storm | 2011-01-31 → 2011-02-05 | Public Assistance |
| 2009-06-19 | DR-1847-MO major disaster | Severe Storm | Severe Storms, Tornadoes, and Flooding | 2009-05-08 → 2009-05-16 | Individual 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 |
| 2008-06-25 | DR-1773-MO major disaster | Severe Storm | Severe Storms and Flooding | 2008-06-01 → 2008-08-13 | 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 |
| 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 |
| 2006-03-16 | 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 |
| 2003-05-06 | DR-1463-MO major disaster | Severe Storm | Severe Storms, Tornadoes, and Flooding | 2003-05-04 → 2003-05-30 | Individual Assistance, Public Assistance, Hazard Mitigation |
| 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 |
| 1993-07-09 | 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 |
OpenFEMA data through 2026-11-02; only declarations naming Christian County itself are listed. 8 of these 22 opened Individual Assistance here. What a declaration does and does not pay for.
Flood zones in Christian County: which ones the claims came from
High-risk A zones: 41 (53%)Coastal high-risk V zones: 0 (0%)Moderate / low-risk zones (B, C, X): 37 (47%)Zone not recorded: 0 (0%)
The most common zone on Christian County claims is Zone A — 32 of 78 claims with a zone on file (41%). 53% were in a high-risk Special Flood Hazard Area.
| Flood zone at rating | Claims | Share | Paid | Avg / claim |
|---|---|---|---|---|
| Zone A · high risk, insurance required | 32 | 41% | $1.1M | $35K |
| Zone X · moderate / low risk | 29 | 37% | $612K | $21K |
| Zone AE · high risk, insurance required | 9 | 12% | $1.1M | $122K |
| Zone C · moderate / low risk | 8 | 10% | $94K | $12K |
Which zones require flood insurance →
What caused the flooding
| Cause of damage (as coded by FEMA) | Claims | Share |
|---|---|---|
| Stream, river or lake overflow | 42 | 54% |
| Accumulation of rainfall or snowmelt | 26 | 33% |
| Other causes | 9 | 12% |
| Not recorded | 1 | 1% |
Flood claims by ZIP code in Christian County
7 ZIP codes with at least one claim FEMA assigned to Christian County.
| 65721 | 41 | $2.1M | 53% | 16 | 2026 |
| 65714 | 30 | $602K | 38% | 9 | 2021 |
| 65753 | 3 | $69K | 4% | 3 | 2025 |
| 65049 | 1 | $7K | 1% | 1 | 2013 |
| 65738 | 1 | $4K | 1% | 1 | 2009 |
| 65754 | 1 | $4K | 1% | 1 | 2021 |
| 65652 | 1 | $139K | 1% | 1 | 2025 |
When does Christian County flood?
June accounts for the most flood losses (16 claims, 21%). Claims by month of loss:
| Month | Claims | Share |
|---|---|---|
| January | 2 | 3% |
| February | 0 | 0% |
| March | 14 | 18% |
| April | 15 | 19% |
| May | 8 | 10% |
| June | 16 | 21% |
| July | 10 | 13% |
| August | 2 | 3% |
| September | 8 | 10% |
| October | 1 | 1% |
| November | 0 | 0% |
| December | 2 | 3% |
Year-by-year detail
| Year of loss | Claims | Paid |
|---|---|---|
| 2026 | 1 | $0 |
| 2025 | 5 | $526K |
| 2023 | 3 | $573K |
| 2021 | 2 | $4K |
| 2020 | 1 | $23K |
| 2017 | 7 | $236K |
| 2016 | 1 | $7K |
| 2015 | 18 | $578K |
| 2013 | 8 | $156K |
| 2012 | 1 | $6K |
| 2011 | 5 | $9K |
| 2010 | 5 | $66K |
| 2009 | 1 | $4K |
| 2008 | 13 | $367K |
| 2007 | 1 | $166K |
| 2004 | 1 | $0 |
| 2002 | 2 | $159K |
| 1995 | 1 | $28K |
| 1993 | 1 | $14K |
| 1985 | 1 | $11K |
Neighboring counties
| Neighbor | Claims | Paid | Outside high-risk |
|---|---|---|---|
| Christian County (this page) | 78 | $2.9M | 47% |
| Taney County | 400 | $18.5M | 15% |
| Greene County | 206 | $3.4M | 54% |
| Stone County | 75 | $2.1M | 37% |
| Lawrence County | 34 | $657K | 39% |
| Webster County | 13 | $341K | 33% |
All 107 Missouri counties → · County and ZIP rankings →
Common questions about flooding in Christian County
- Has Christian County flooded recently?
- The most recent flood loss with an insurance claim on file was on 2026-06-08, in FEMA data through 2026-09-08. Claims were filed in 6 of the 10 years to 2026 (19 claims).
- Has Christian County had a FEMA disaster declaration?
- Yes — Christian 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-4741-MO, declared 2023-09-21). There have been none since 2024. See the full list with dates and aid programs →
- What flood zone is Christian County in?
- No single zone covers a whole county. Across 78 Christian County claims with a zone on file, the most common was Zone A (41%), and 53% 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 29043, 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.