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Franklin County, MO flood insurance claims history

1,097 claims under the National Flood Insurance Program on file for flood losses in Franklin County since 1978, with $32.2M paid. The worst year was 2015 with 204 claims. Franklin County ranks #8 of 107 in Missouri by claim count.

What the Franklin County record shows

12% of claims with a zone on file came from outside FEMA's high-risk zones.
18% of all claims trace to one event, Early winter storms (2015), which paid $10.2M here.
2016–2025 brought 180 claims, 56% fewer than 2006–2015 (405). Counts also move with how many buildings held a policy.
The average paid claim is $33K, above the Missouri average of $23K (nominal dollars).
ZIP codes 63069, 63077 and 63084 hold 67% of claims, out of 22 ZIP codes with any.
March through May accounts for 60% of losses.
St. Louis County has the most claims among its neighbors (12,031, against 1,097 here).

NFIP claims

1,097

1978–2026

Total paid

$32.2M

nominal dollars, not inflation-adjusted

Claims paid

89%

975 received a payment

Average payout

$33K

per paid claim

Last 10 years

178

claims 2017 – 2026

Most recent loss

2026-03-17

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: 204 claims in 2015

'80

'85

'90

'95

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'05

'10

'15

'20

'25

Biggest flood events in Franklin County

Flood event (FEMA name)	Claims	Paid	Avg / claim	Year
Early winter storms	201	$10.2M	$51K	2015
Flooding (FEMA general label)	165	$1.7M	$10K	1994
March storm	159	$5.5M	$35K	2008
Late spring severe storms	153	$7.6M	$50K	2017
Not a named storm	50	$719K	$14K	1982
Midwest Flooding	33	$422K	$13K	1993
Flooding (FEMA general label)	21	$83K	$4K	1998
Flooding (FEMA general label)	17	$100K	$6K	1995
Flooding (FEMA general label)	9	$25K	$3K	1985
Flooding (FEMA general label)	7	$50K	$7K	1986
Mid-spring storms	2	$45K	$22K	2011
Early winter storms	2	$27K	$14K	2016

75% of claims here fall under these 12 entries.How to read these labels.

Federal disaster declarations for Franklin County

Franklin County has been a designated area in 24 declarations since 1973, 21 of them for flooding, storms or hurricanes. Since 2024 it has been included in 1: 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-4867-MO major disaster	Severe Storm	Severe Storms, Straight-Line Winds, Tornadoes, and Wildfires	2025-03-14 → 2025-03-15	Individual Assistance, Public Assistance
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
2016-01-21	DR-4250-MO major disaster	Flood	Severe Storms, Tornadoes, Straight-Line Winds, and Flooding	2015-12-23 → 2016-01-09	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
2011-06-30	EM-3325-MO emergency	Flood	Flooding	2011-06-01 → 2011-08-01	Public Assistance
2011-02-03	EM-3317-MO emergency	Severe Storm	Severe Winter Storm	2011-01-31 → 2011-02-05	Public Assistance
2009-01-30	EM-3303-MO emergency	Severe Ice Storm	Severe Winter Storm	2009-01-26 → 2009-01-28	Public Assistance
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
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
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
2000-05-12	DR-1328-MO major disaster	Flood	Severe Thunderstorms and Flash Flooding	2000-05-06 → 2000-05-07	Individual Assistance, Public 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
1994-04-21	DR-1023-MO major disaster	Severe Storm	Severe Storms, Tornadoes, Flooding	1994-04-09 → 1994-05-05	Individual Assistance
1993-12-01	DR-1006-MO major disaster	Severe Storm	Severe Storms, Tornadoes, and Flooding	1993-11-13 → 1993-11-19	Individual 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	Individual Assistance, Public Assistance
1982-12-10	DR-672-MO major disaster	Flood	Severe Storms and Flooding	1982-12-10	Individual 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 Franklin County itself are listed. 15 of these 24 opened Individual Assistance here. What a declaration does and does not pay for.

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

High-risk A zones: 919 (84%)Coastal high-risk V zones: 0 (0%)Moderate / low-risk zones (B, C, X): 120 (11%)Zone not recorded: 58 (5%)

The most common zone on Franklin County claims is Zone AE — 535 of 1,039 claims with a zone on file (51%). 88% were in a high-risk Special Flood Hazard Area.

Flood zone at rating	Claims	Share	Paid	Avg / claim
Zone AE · high risk, insurance required	535	51%	$23.1M	$43K
Zone A1–A30 · high risk, insurance required	258	25%	$4.8M	$19K
Zone A · high risk, insurance required	126	12%	$1.5M	$12K
Zone X · moderate / low risk	62	6%	$1.3M	$21K
Zone C · moderate / low risk	38	4%	$531K	$14K
Zone B · moderate / low risk	20	2%	$372K	$19K

58 Franklin 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	691	63%
Accumulation of rainfall or snowmelt	246	22%
Tidal water overflow (storm surge)	91	8%
Other causes	63	6%
Not recorded	4	0%
Alluvial fan overflow	1	0%

Flood claims by ZIP code in Franklin County

23 ZIP codes with at least one claim FEMA assigned to Franklin County.


63069	494	$15.5M	45%	26	2026
63077	139	$2.7M	13%	18	2024
63084	98	$3.7M	9%	17	2025
63089	92	$1.7M	8%	16	2024
63080	52	$3.2M	5%	8	2024
63090	47	$2.6M	4%	11	2015
63072	42	$1.1M	4%	12	2017
63025	29	$186K	3%	9	2008
63079	21	$189K	2%	5	2015
63039	18	$219K	2%	9	2015
63014	15	$154K	1%	7	2015
Not reported	9	$106K	1%	5	1993
63015	8	$154K	1%	5	2017
63091	8	$131K	1%	4	2017
63060	7	$253K	1%	5	2017
63073	5	$89K	0%	4	2019
63056	2	$39K	0%	2	2015
63018	2	$4K	0%	2	1985
63013	2	$71K	0%	2	2015
63120	2	$10K	0%	2	2000
63068	2	$543	0%	2	1993
63055	2	$3K	0%	2	1984
63357	1	$29K	0%	1	1993

When does Franklin County flood?

December accounts for the most flood losses (256 claims, 23%). Claims by month of loss:

Month	Claims	Share
January	6	1%
February	13	1%
March	187	17%
April	245	22%
May	221	20%
June	23	2%
July	58	5%
August	3	0%
September	23	2%
October	9	1%
November	53	5%
December	256	23%

Year-by-year detail

Year of loss	Claims	Paid
2026	1	$0
2025	1	$0
2024	18	$777K
2023	1	$2K
2019	4	$7K
2017	153	$7.6M
2016	3	$27K
2015	204	$10.2M
2014	4	$8K
2013	2	$3K
2011	4	$58K
2010	1	$0
2009	3	$7K
2008	187	$6.1M
2005	3	$31K
2004	1	$446
2003	4	$98K
2002	2	$0
2001	2	$13K
2000	59	$3.5M
1998	22	$101K
1997	4	$17K
1996	5	$16K
1995	18	$103K
1994	174	$1.7M
1993	73	$734K
1992	3	$34K
1990	2	$33K
1988	1	$7K
1987	2	$13K
1986	7	$50K
1985	43	$102K
1984	2	$5K
1983	19	$60K
1982	52	$727K
1979	11	$39K
1978	2	$543

Neighboring counties

Neighbor	Claims	Paid	Outside high-risk
Franklin County (this page)	1,097	$32.2M	12%
St. Louis County	12,031	$264.8M	16%
St. Charles County	9,999	$155.9M	5%
Jefferson County	4,592	$69.3M	15%
Gasconade County	445	$8.1M	10%
Crawford County	125	$6.1M	37%
Warren County	102	$2.3M	9%
Washington County	38	$265K	12%

All 107 Missouri counties → · County and ZIP rankings →

Common questions about flooding in Franklin County

Has Franklin County flooded recently?: The most recent flood loss with an insurance claim on file was on 2026-03-17, in FEMA data through 2026-09-08. Claims were filed in 6 of the 10 years to 2026 (178 claims).
Has Franklin County had a FEMA disaster declaration?: Yes — Franklin County has been named a designated area in 24 federal disaster declarations since 1973. The most recent is Severe Storms, Straight-Line Winds, Tornadoes, and Wildfires (DR-4867-MO, declared 2025-05-21), which opened Individual Assistance here. Since 2024 there have been 1. See the full list with dates and aid programs →
What flood zone is Franklin County in?: No single zone covers a whole county. Across 1,039 Franklin County claims with a zone on file, the most common was Zone AE (51%), and 88% 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 29071, 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.