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Clark County, MO flood insurance claims history
106 claims under the National Flood Insurance Program on file for flood losses in Clark County since 1993, with $7.6M paid. The worst year was 1993 with 30 claims. Clark County ranks #48 of 107 in Missouri by claim count.
What the Clark County record shows
- 5% of claims with a zone on file came from outside FEMA's high-risk zones.
- 28% of all claims trace to one event, Midwest Flooding (1993), which paid $1.1M here.
- 1993 alone produced 28% of the claims on file.
- Claims came in just 2 of the 10 years to 2026.
- 2016–2025 brought 30 claims, 30% fewer than 2006–2015 (43). Counts also move with how many buildings held a policy.
- The average paid claim is $79K, above the Missouri average of $23K (nominal dollars).
- ZIP codes 63430, 63435 and 63474 hold 99% of claims, out of 4 ZIP codes with any.
- May through July accounts for 96% of losses.
- Hancock County, IL has the most claims among its neighbors (288, against 106 here).
NFIP claims
106
1993–2023
Total paid
$7.6M
nominal dollars, not inflation-adjusted
Claims paid
91%
96 received a payment
Average payout
$79K
per paid claim
Last 10 years
30
claims 2017 – 2026
Most recent loss
2023-05-14
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: 30 claims in 1993
Biggest flood events in Clark County
| Flood event (FEMA name) | Claims | Paid | Avg / claim | Year |
|---|---|---|---|---|
| Midwest Flooding | 30 | $1.1M | $35K | 1993 |
| Late spring storms | 7 | $75K | $11K | 2011 |
| Flooding (FEMA general label) | 1 | $8K | $8K | 1995 |
36% of claims here fall under these 3 entries.How to read these labels.
Federal disaster declarations for Clark County
Clark County has been a designated area in 27 declarations since 1965, 24 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 |
| 2019-07-09 | DR-4451-MO major disaster | Severe Storm | Severe Storms, Tornadoes, and Flooding | 2019-04-29 → 2019-07-05 | 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 |
| 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 | 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 |
| 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 |
| 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, 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 |
| 1986-10-14 | DR-779-MO major disaster | Flood | Severe Storms & Flooding | 1986-09-18 → 1986-10-15 | Public Assistance |
| 1979-03-12 | EM-3071-MO emergency | Flood | Ice Jam & Flooding | 1979-03-12 | Individual 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 |
| 1973-04-19 | DR-372-MO major disaster | Severe Storm | Heavy Rains, Tornadoes & Flooding | 1973-04-19 | Individual Assistance, Public Assistance |
| 1965-06-14 | DR-198-MO major disaster | Severe Storm | Flooding | 1965-06-14 | Individual Assistance, Public Assistance |
OpenFEMA data through 2026-11-02; only declarations naming Clark County itself are listed. 10 of these 27 opened Individual Assistance here. What a declaration does and does not pay for.
Flood zones in Clark County: which ones the claims came from
High-risk A zones: 82 (77%)Coastal high-risk V zones: 0 (0%)Moderate / low-risk zones (B, C, X): 4 (4%)Zone not recorded: 20 (19%)
The most common zone on Clark County claims is Zone AE — 48 of 88 claims with a zone on file (55%). 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 | 48 | 55% | $5.7M | $118K |
| Zone AO (filed as AO, AOB) · high risk, insurance required | 19 | 22% | $767K | $40K |
| Zone A · high risk, insurance required | 10 | 11% | $301K | $30K |
| Zone AH (filed as AH, AHB) · high risk, insurance required | 5 | 6% | $14K | $3K |
| Zone X · moderate / low risk | 4 | 5% | $89K | $22K |
| Zone D · not studied | 2 | 2% | $51K | $26K |
18 Clark 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 | 90 | 85% |
| Accumulation of rainfall or snowmelt | 12 | 11% |
| Other causes | 1 | 1% |
| Tidal water overflow (storm surge) | 1 | 1% |
| Alluvial fan overflow | 1 | 1% |
| Not recorded | 1 | 1% |
Flood claims by ZIP code in Clark County
4 ZIP codes with at least one claim FEMA assigned to Clark County.
When does Clark County flood?
July accounts for the most flood losses (38 claims, 36%). Claims by month of loss:
| Month | Claims | Share |
|---|---|---|
| January | 0 | 0% |
| February | 0 | 0% |
| March | 0 | 0% |
| April | 3 | 3% |
| May | 29 | 27% |
| June | 35 | 33% |
| July | 38 | 36% |
| August | 1 | 1% |
| September | 0 | 0% |
| October | 0 | 0% |
| November | 0 | 0% |
| December | 0 | 0% |
Year-by-year detail
| Year of loss | Claims | Paid |
|---|---|---|
| 2023 | 1 | $0 |
| 2019 | 29 | $5.2M |
| 2014 | 5 | $105K |
| 2013 | 3 | $108K |
| 2011 | 7 | $75K |
| 2010 | 6 | $5K |
| 2008 | 22 | $608K |
| 2001 | 2 | $399K |
| 1995 | 1 | $8K |
| 1993 | 30 | $1.1M |
Neighboring counties
| Neighbor | Claims | Paid | Outside high-risk |
|---|---|---|---|
| Clark County (this page) | 106 | $7.6M | 5% |
| Hancock County, IL | 288 | $5.9M | 11% |
| Lewis County | 143 | $3.5M | 36% |
| Knox County | 4 | $1.1M | 50% |
All 107 Missouri counties → · County and ZIP rankings →
Common questions about flooding in Clark County
- Has Clark County flooded recently?
- The most recent flood loss with an insurance claim on file was on 2023-05-14, in FEMA data through 2026-09-08. Claims were filed in 2 of the 10 years to 2026 (30 claims).
- Has Clark County had a FEMA disaster declaration?
- Yes — Clark County has been named a designated area in 27 federal disaster declarations since 1965. 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 Clark County in?
- No single zone covers a whole county. Across 88 Clark County claims with a zone on file, the most common was Zone AE (55%), 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 29045, 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.