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Dunklin County, MO flood insurance claims history

58 claims under the National Flood Insurance Program on file for flood losses in Dunklin County since 1978, with $399K paid. The worst year was 2011 with 8 claims. Dunklin County ranks #60 of 107 in Missouri by claim count.

What the Dunklin County record shows

25% of claims with a zone on file came from outside FEMA's high-risk zones, well above the 14% across Missouri.
12% of all claims trace to one event, Mid-spring storms (2011), which paid $35K here.
2016–2025 brought 11 claims, 48% fewer than 2006–2015 (21). Counts also move with how many buildings held a policy.
The average paid claim is $11K, below the Missouri average of $23K (nominal dollars).
38% of claims closed without a payment, against 15% statewide.
ZIP codes 63857, 63863 and 63829 hold 72% of claims, out of 8 ZIP codes with any.
March through May accounts for 52% of losses.
Butler County has the most claims among its neighbors (517, against 58 here).

NFIP claims

1978–2026

Total paid

$399K

nominal dollars, not inflation-adjusted

Claims paid

62%

36 received a payment

Average payout

$11K

per paid claim

Last 10 years

claims 2017 – 2026

Most recent loss

2026-08-31

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: 8 claims in 2011

'80

'85

'90

'95

'00

'05

'10

'15

'20

'25

Biggest flood events in Dunklin County

Flood event (FEMA name)	Claims	Paid	Avg / claim	Year
Mid-spring storms	7	$35K	$5K	2011
Central U.S. April Flooding	4	$122K	$31K	2025
March storm	3	$4K	$1K	2008
Mid-spring storms	2	$86K	$43K	2014
Late spring severe storms	1	$8K	$8K	2017
Flooding (FEMA general label)	1	$0	$0	1990

31% of claims here fall under these 6 entries.How to read these labels.

Federal disaster declarations for Dunklin County

Dunklin County has been a designated area in 22 declarations since 1973, 19 of them for flooding, storms or hurricanes. Since 2024 it has been included in 2: Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (DR-4872-MO, 2025), Severe Storms, Straight-Line Winds, Tornadoes, and Wildfires (DR-4867-MO, 2025).

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	Public Assistance
2022-01-10	DR-4636-MO major disaster	Severe Storm	Severe Storms, Straight-Line Winds, and Tornadoes	2021-12-10	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
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
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
2016-01-21	DR-4250-MO major disaster	Flood	Severe Storms, Tornadoes, Straight-Line Winds, and Flooding	2015-12-23 → 2016-01-09	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	Public Assistance
2007-12-12	EM-3281-MO emergency	Severe Ice Storm	Severe Winter Storms	2007-12-08 → 2007-12-15	Public Assistance
2006-04-05	DR-1635-MO major disaster	Severe Storm	Severe Storms, Tornadoes, and Flooding	2006-03-30 → 2006-04-03	Individual Assistance, Hazard Mitigation
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, Hazard Mitigation
1979-04-21	DR-579-MO major disaster	Tornado	Tornadoes, Torrential Rain & Flooding	1979-04-21	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 Dunklin County itself are listed. 8 of these 22 opened Individual Assistance here. What a declaration does and does not pay for.

Flood zones in Dunklin County: which ones the claims came from

High-risk A zones: 41 (71%)Coastal high-risk V zones: 0 (0%)Moderate / low-risk zones (B, C, X): 14 (24%)Zone not recorded: 3 (5%)

The most common zone on Dunklin County claims is Zone A — 17 of 55 claims with a zone on file (31%). 75% were in a high-risk Special Flood Hazard Area.

Flood zone at rating	Claims	Share	Paid	Avg / claim
Zone A · high risk, insurance required	17	31%	$173K	$10K
Zone A1–A30 · high risk, insurance required	16	29%	$31K	$2K
Zone X · moderate / low risk	7	13%	$57K	$8K
Zone AH (filed as AH, AHB) · high risk, insurance required	7	13%	$96K	$14K
Zone B · moderate / low risk	4	7%	$8K	$2K
Zone C · moderate / low risk	3	5%	$33K	$11K
Zone AO · high risk, insurance required	1	2%	$1K	$1K

3 Dunklin 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	35	60%
Stream, river or lake overflow	14	24%
Tidal water overflow (storm surge)	6	10%
Other causes	2	3%
Alluvial fan overflow	1	2%

Flood claims by ZIP code in Dunklin County

9 ZIP codes with at least one claim FEMA assigned to Dunklin County.


63857	20	$113K	34%	14	2025
63863	13	$90K	22%	10	2026
63829	9	$39K	16%	6	2019
63876	5	$14K	9%	5	2018
63855	5	$52K	9%	5	2025
63933	3	$92K	5%	3	2017
63837	1	$0	2%	1	2002
63821	1	$0	2%	1	1996
Not reported	1	$201	2%	1	1982

When does Dunklin County flood?

April accounts for the most flood losses (14 claims, 24%). Claims by month of loss:

Month	Claims	Share
January	2	3%
February	4	7%
March	5	9%
April	14	24%
May	11	19%
June	2	3%
July	3	5%
August	7	12%
September	2	3%
October	3	5%
November	1	2%
December	4	7%

Year-by-year detail

Year of loss	Claims	Paid
2026	1	$0
2025	4	$122K
2023	1	$0
2021	1	$2K
2019	1	$29K
2018	2	$8K
2017	2	$8K
2014	2	$86K
2013	2	$27K
2011	8	$35K
2010	1	$10K
2008	4	$11K
2006	4	$16K
2003	2	$0
2002	1	$0
2001	3	$7K
1998	4	$34K
1997	1	$0
1996	1	$0
1992	1	$1K
1990	1	$0
1985	2	$0
1984	1	$814
1983	1	$0
1982	3	$640
1980	1	$0
1979	2	$1K
1978	1	$838

Neighboring counties

Neighbor	Claims	Paid	Outside high-risk
Dunklin County (this page)	58	$399K	25%
Butler County	517	$10.1M	12%
New Madrid County	202	$3.0M	21%
Pemiscot County	127	$746K	9%
Stoddard County	102	$1.1M	16%

All 107 Missouri counties → · County and ZIP rankings →

Common questions about flooding in Dunklin County

Has Dunklin County flooded recently?: The most recent flood loss with an insurance claim on file was on 2026-08-31, in FEMA data through 2026-09-08. Claims were filed in 7 of the 10 years to 2026 (12 claims).
Has Dunklin County had a FEMA disaster declaration?: Yes — Dunklin County has been named a designated area in 22 federal disaster declarations since 1973. 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 2. See the full list with dates and aid programs →
What flood zone is Dunklin County in?: No single zone covers a whole county. Across 55 Dunklin County claims with a zone on file, the most common was Zone A (31%), and 75% 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 29069, 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.