Home › Flood claims › Missouri › Gasconade County

Gasconade County, MO flood insurance claims history

445 claims under the National Flood Insurance Program on file for flood losses in Gasconade County since 1978, with $8.1M paid. The worst year was 1993 with 103 claims. Gasconade County ranks #17 of 107 in Missouri by claim count.

What the Gasconade County record shows

10% of claims with a zone on file came from outside FEMA's high-risk zones.
19% of all claims trace to one event, Midwest Flooding (1993), which paid $1.9M here.
Per claim, the costliest named event was Late spring severe storms (2017), averaging $31K across 49 claims.
1993 alone produced 23% of the claims on file.
Claims came in just 3 of the 10 years to 2026.
2016–2025 brought 68 claims, 30% fewer than 2006–2015 (97). Counts also move with how many buildings held a policy.
ZIP codes 65041, 65036 and 65061 hold 87% of claims, out of 15 ZIP codes with any.
May through July accounts for 59% of losses.
Franklin County has the most claims among its neighbors (1,097, against 445 here).

NFIP claims

445

1978–2020

Total paid

$8.1M

nominal dollars, not inflation-adjusted

Claims paid

83%

371 received a payment

Average payout

$22K

per paid claim

Last 10 years

claims 2017 – 2026

Most recent loss

2020-07-31

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.

Loading claim records…

Flood claims by year

Peak: 103 claims in 1993

'80

'85

'90

'95

'00

'05

'10

'15

'20

Biggest flood events in Gasconade County

Flood event (FEMA name)	Claims	Paid	Avg / claim	Year
Midwest Flooding	85	$1.9M	$22K	1993
Flooding (FEMA general label)	60	$653K	$11K	1995
Late spring severe storms	49	$1.5M	$31K	2017
Early winter storms	47	$1.2M	$26K	2015
Flooding (FEMA general label)	27	$833K	$31K	1986
Flooding (FEMA general label)	24	$129K	$5K	1990
Flooding (FEMA general label)	17	$44K	$3K	1985
Not a named storm	12	$24K	$2K	1982
Flooding (FEMA general label)	6	$21K	$4K	1994
March storm	4	$147K	$37K	2008
Mid-spring storms	3	$43K	$14K	2011
Not a named storm	3	$15K	$5K	2008

76% of claims here fall under these 12 entries.How to read these labels.

Federal disaster declarations for Gasconade County

Gasconade County has been a designated area in 21 declarations since 1973, 18 of them for flooding, storms or hurricanes. Since 2024 it has been included in 1: Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (DR-4929-MO, 2026).

Declared	FEMA number	Incident	Declared for	Dates of the incident	Aid unlocked here
2026-08-03	DR-4929-MO major disaster	Severe Storm	Severe Storms, Straight-Line Winds, Tornadoes, and Flooding	2026-06-04 → 2026-06-18	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
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	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
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
1976-09-24	EM-3017-MO emergency	Drought	Drought	1976-09-24	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 Gasconade County itself are listed. 10 of these 21 opened Individual Assistance here. What a declaration does and does not pay for.

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

High-risk A zones: 381 (86%)Coastal high-risk V zones: 0 (0%)Moderate / low-risk zones (B, C, X): 40 (9%)Zone not recorded: 24 (5%)

The most common zone on Gasconade County claims is Zone AE — 159 of 421 claims with a zone on file (38%). 90% were in a high-risk Special Flood Hazard Area.

Flood zone at rating	Claims	Share	Paid	Avg / claim
Zone AE · high risk, insurance required	159	38%	$3.8M	$24K
Zone A1–A30 · high risk, insurance required	139	33%	$2.2M	$16K
Zone A · high risk, insurance required	83	20%	$1.1M	$13K
Zone B · moderate / low risk	18	4%	$145K	$8K
Zone X · moderate / low risk	17	4%	$497K	$29K
Zone C · moderate / low risk	5	1%	$201K	$40K

24 Gasconade 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	307	69%
Accumulation of rainfall or snowmelt	93	21%
Tidal water overflow (storm surge)	29	7%
Other causes	13	3%
Alluvial fan overflow	2	0%
Erosion (pre-1995 code)	1	0%

Flood claims by ZIP code in Gasconade County

16 ZIP codes with at least one claim FEMA assigned to Gasconade County.


65041	247	$4.2M	56%	20	2020
65036	96	$2.0M	22%	15	2019
65061	45	$923K	10%	10	2020
63091	12	$80K	3%	8	1998
65014	12	$413K	3%	8	2017
Not reported	7	$35K	2%	4	1986
63363	6	$50K	1%	3	1995
63084	5	$47K	1%	4	1995
63090	4	$96K	1%	4	2019
63077	3	$25K	1%	3	1995
65062	2	$100K	0%	2	2017
63052	2	$20K	0%	2	2002
65024	1	$10K	0%	1	1993
65066	1	$1K	0%	1	1981
65614	1	$46K	0%	1	1993
65069	1	$15K	0%	1	1993

When does Gasconade County flood?

May accounts for the most flood losses (150 claims, 34%). Claims by month of loss:

Month	Claims	Share
January	4	1%
February	16	4%
March	14	3%
April	22	5%
May	150	34%
June	25	6%
July	86	19%
August	12	3%
September	25	6%
October	31	7%
November	0	0%
December	60	13%

Year-by-year detail

Year of loss	Claims	Paid
2020	3	$125K
2019	9	$112K
2017	49	$1.5M
2016	7	$51K
2015	47	$1.2M
2013	24	$584K
2011	4	$46K
2009	1	$15K
2008	21	$531K
2002	4	$30K
1998	3	$739
1996	1	$9K
1995	61	$653K
1994	9	$38K
1993	103	$2.1M
1991	1	$1K
1990	24	$129K
1988	1	$0
1986	27	$833K
1985	17	$44K
1983	12	$26K
1982	14	$27K
1981	1	$1K
1978	2	$2K

Neighboring counties

Neighbor	Claims	Paid	Outside high-risk
Gasconade County (this page)	445	$8.1M	10%
Franklin County	1,097	$32.2M	12%
Phelps County	305	$11.6M	27%
Osage County	180	$3.4M	20%
Montgomery County	126	$1.3M	3%
Crawford County	125	$6.1M	37%
Warren County	102	$2.3M	9%
Maries County	101	$3.0M	9%

All 107 Missouri counties → · County and ZIP rankings →

Common questions about flooding in Gasconade County

Has Gasconade County flooded recently?: The most recent flood loss with an insurance claim on file was on 2020-07-31, in FEMA data through 2026-09-08. Claims were filed in 3 of the 10 years to 2026 (61 claims).
Has Gasconade County had a FEMA disaster declaration?: Yes — Gasconade County has been named a designated area in 21 federal disaster declarations since 1973. The most recent is Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (DR-4929-MO, declared 2026-08-03). Since 2024 there have been 1. See the full list with dates and aid programs →
What flood zone is Gasconade County in?: No single zone covers a whole county. Across 421 Gasconade County claims with a zone on file, the most common was Zone AE (38%), and 90% 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 29073, 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.