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Howard County, MO flood insurance claims history

69 claims under the National Flood Insurance Program on file for flood losses in Howard County since 1981, with $859K paid. The worst year was 1993 with 22 claims. Howard County ranks #57 of 107 in Missouri by claim count.

What the Howard County record shows

18% 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 $383K here.
1993 alone produced 32% of the claims on file.
Claims came in just 3 of the 10 years to 2026.
The average paid claim is $17K, below the Missouri average of $23K (nominal dollars).
26% of claims closed without a payment, against 15% statewide.
ZIP codes 65274, 65250 and 63079 hold 90% of claims, out of 4 ZIP codes with any.
May through July accounts for 72% of losses.
Boone County has the most claims among its neighbors (195, against 69 here).

NFIP claims

1981–2026

Total paid

$859K

nominal dollars, not inflation-adjusted

Claims paid

74%

51 received a payment

Average payout

$17K

per paid claim

Last 10 years

claims 2017 – 2026

Most recent loss

2026-06-01

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: 22 claims in 1993

'85

'90

'95

'00

'05

'10

'15

'20

'25

Biggest flood events in Howard County

Flood event (FEMA name)	Claims	Paid	Avg / claim	Year
Midwest Flooding	19	$383K	$20K	1993
Flooding (FEMA general label)	6	$14K	$2K	1995
Flooding (FEMA general label)	5	$73K	$15K	1994
Flooding (FEMA general label)	4	$9K	$2K	1986
Flooding (FEMA general label)	2	$12K	$6K	1998
Late spring storms	1	$2K	$2K	2011
Flooding (FEMA general label)	1	$0	$0	1990

55% of claims here fall under these 7 entries.How to read these labels.

Federal disaster declarations for Howard County

Howard County has been a designated area in 29 declarations since 1973, 26 of them for flooding, storms or hurricanes. Since 2024 it has been included in 1: Severe Storms, Tornadoes, and Flooding (DR-4924-MO, 2026).

Declared	FEMA number	Incident	Declared for	Dates of the incident	Aid unlocked here
2026-06-30	DR-4924-MO major disaster	Severe Storm	Severe Storms, Tornadoes, and Flooding	2026-04-23 → 2026-04-28	Public Assistance
2021-09-01	DR-4612-MO major disaster	Severe Storm	Severe Storms, Straight-Line Winds, Tornadoes, and Flooding	2021-06-24 → 2021-07-01	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
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
2011-08-12	DR-4012-MO major disaster	Flood	Flooding	2011-06-01 → 2011-08-01	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	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
2007-12-12	EM-3281-MO emergency	Severe Ice Storm	Severe Winter Storms	2007-12-08 → 2007-12-15	Public Assistance
2007-06-11	DR-1708-MO major disaster	Severe Storm	Severe Storms and Flooding	2007-05-05 → 2007-05-18	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	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, 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
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 Howard County itself are listed. 10 of these 29 opened Individual Assistance here. What a declaration does and does not pay for.

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

High-risk A zones: 46 (67%)Coastal high-risk V zones: 0 (0%)Moderate / low-risk zones (B, C, X): 10 (14%)Zone not recorded: 13 (19%)

The most common zone on Howard County claims is Zone A1–A30 — 21 of 56 claims with a zone on file (38%). 82% were in a high-risk Special Flood Hazard Area.

Flood zone at rating	Claims	Share	Paid	Avg / claim
Zone A1–A30 · high risk, insurance required	21	38%	$221K	$11K
Zone AE · high risk, insurance required	20	36%	$477K	$24K
Zone X · moderate / low risk	5	9%	$5K	$1K
Zone A · high risk, insurance required	5	9%	$95K	$19K
Zone B · moderate / low risk	5	9%	$50K	$10K

13 Howard 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	35	51%
Accumulation of rainfall or snowmelt	21	30%
Other causes	8	12%
Tidal water overflow (storm surge)	5	7%

Flood claims by ZIP code in Howard County

5 ZIP codes with at least one claim FEMA assigned to Howard County.


65274	29	$575K	42%	7	2019
65250	28	$173K	41%	7	2021
Not reported	6	$21K	9%	5	1994
63079	5	$44K	7%	3	1998
65248	1	$46K	1%	1	2026

When does Howard County flood?

July accounts for the most flood losses (27 claims, 39%). Claims by month of loss:

Month	Claims	Share
January	0	0%
February	1	1%
March	0	0%
April	11	16%
May	9	13%
June	14	20%
July	27	39%
August	1	1%
September	1	1%
October	4	6%
November	0	0%
December	1	1%

Year-by-year detail

Year of loss	Claims	Paid
2026	1	$46K
2021	3	$8K
2019	7	$262K
2014	1	$0
2013	3	$3K
2011	1	$2K
1998	2	$12K
1995	6	$14K
1994	7	$81K
1993	22	$416K
1990	1	$0
1986	4	$9K
1985	1	$0
1984	2	$0
1983	1	$0
1981	7	$6K

Neighboring counties

Neighbor	Claims	Paid	Outside high-risk
Howard County (this page)	69	$859K	18%
Boone County	195	$4.1M	32%
Chariton County	57	$821K	4%
Saline County	16	$272K	13%
Cooper County	9	$137K	38%
Randolph County	3	$2K	67%

All 107 Missouri counties → · County and ZIP rankings →

Common questions about flooding in Howard County

Has Howard County flooded recently?: The most recent flood loss with an insurance claim on file was on 2026-06-01, in FEMA data through 2026-09-08. Claims were filed in 3 of the 10 years to 2026 (11 claims).
Has Howard County had a FEMA disaster declaration?: Yes — Howard County has been named a designated area in 29 federal disaster declarations since 1973. The most recent is Severe Storms, Tornadoes, and Flooding (DR-4924-MO, declared 2026-06-30). Since 2024 there have been 1. See the full list with dates and aid programs →
What flood zone is Howard County in?: No single zone covers a whole county. Across 56 Howard County claims with a zone on file, the most common was Zone A1–A30 (38%), and 82% 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 29089, 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.