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Howell County, MO flood insurance claims history
75 claims under the National Flood Insurance Program on file for flood losses in Howell County since 1979, with $3.6M paid. The worst year was 2017 with 47 claims. Howell County ranks #56 of 107 in Missouri by claim count.
What the Howell County record shows
- 18% of claims with a zone on file came from outside FEMA's high-risk zones.
- 60% of all claims trace to one event, Late spring severe storms (2017), which paid $2.2M here.
- 2017 alone produced 63% of the claims on file.
- Claims came in just 3 of the 10 years to 2026.
- 2016–2025 brought 50 claims, 525% more than 2006–2015 (8). Counts also move with how many buildings held a policy.
- The average paid claim is $56K, above the Missouri average of $23K (nominal dollars).
- ZIP 65775 alone holds 81% of claims.
- March through May accounts for 81% of losses.
- Howell County has more claims than any of its 4 neighbors.
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
Biggest flood events in Howell County
| Flood event (FEMA name) | Claims | Paid | Avg / claim | Year |
|---|---|---|---|---|
| Late spring severe storms | 45 | $2.2M | $49K | 2017 |
| Mid-spring storms | 5 | $230K | $46K | 2011 |
| Central U.S. April Flooding | 2 | $667K | $334K | 2025 |
| Not a named storm | 1 | $301 | $301 | 1982 |
71% of claims here fall under these 4 entries.How to read these labels.
Federal disaster declarations for Howell County
Howell County has been a designated area in 25 declarations since 1973, 22 of them for flooding, storms or hurricanes. Since 2024 it has been included in 4: Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (DR-4872-MO, 2025), Severe Storms, Straight-Line Winds, Tornadoes, and Wildfires (DR-4867-MO, 2025), Severe Storms, Tornadoes, Straight-Line Winds, and Flooding (DR-4855-MO, 2025), Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (DR-4803-MO, 2024).
| 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 | Individual Assistance, Public Assistance |
| 2025-01-01 | DR-4855-MO major disaster | Severe Storm | Severe Storms, Tornadoes, Straight-Line Winds, and Flooding | 2024-11-03 → 2024-11-09 | Public Assistance, Hazard Mitigation |
| 2024-07-23 | DR-4803-MO major disaster | Severe Storm | Severe Storms, Straight-Line Winds, Tornadoes, and Flooding | 2024-05-19 → 2024-05-27 | Individual Assistance, 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 |
| 2009-06-19 | DR-1847-MO major disaster | Severe Storm | Severe Storms, Tornadoes, and Flooding | 2009-05-08 → 2009-05-16 | Individual Assistance, Public Assistance, Hazard Mitigation |
| 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 | Individual Assistance, 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, 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 |
| 2002-05-06 | DR-1412-MO major disaster | Severe Storm | Severe Storms, Tornadoes and Flooding | 2002-04-24 → 2002-06-10 | Individual Assistance, Public Assistance, Hazard Mitigation |
| 1993-12-01 | DR-1006-MO major disaster | Severe Storm | Severe Storms, Tornadoes, and Flooding | 1993-11-13 → 1993-11-19 | Individual Assistance, Public Assistance |
| 1993-07-09 | DR-995-MO major disaster | Flood | Severe Storms & Flooding | 1993-06-10 → 1993-10-25 | Individual 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 Howell County itself are listed. 12 of these 25 opened Individual Assistance here. What a declaration does and does not pay for.
Flood zones in Howell County: which ones the claims came from
The most common zone on Howell County claims is Zone AE — 55 of 73 claims with a zone on file (75%). 82% were in a high-risk Special Flood Hazard Area.
| Flood zone at rating | Claims | Share | Paid | Avg / claim |
|---|---|---|---|---|
| Zone AE · high risk, insurance required | 55 | 75% | $3.4M | $62K |
| Zone X · moderate / low risk | 10 | 14% | $129K | $13K |
| Zone C · moderate / low risk | 3 | 4% | $19K | $6K |
| Zone A1–A30 · high risk, insurance required | 3 | 4% | $0 | $0 |
| Zone A · high risk, insurance required | 2 | 3% | $20K | $10K |
2 Howell 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 | 40 | 53% |
| Accumulation of rainfall or snowmelt | 20 | 27% |
| Other causes | 13 | 17% |
| Tidal water overflow (storm surge) | 2 | 3% |
Flood claims by ZIP code in Howell County
3 ZIP codes with at least one claim FEMA assigned to Howell County.
When does Howell County flood?
April accounts for the most flood losses (49 claims, 65%). Claims by month of loss:
| Month | Claims | Share |
|---|---|---|
| January | 0 | 0% |
| February | 0 | 0% |
| March | 5 | 7% |
| April | 49 | 65% |
| May | 7 | 9% |
| June | 2 | 3% |
| July | 0 | 0% |
| August | 1 | 1% |
| September | 3 | 4% |
| October | 0 | 0% |
| November | 7 | 9% |
| December | 1 | 1% |
Year-by-year detail
| Year of loss | Claims | Paid |
|---|---|---|
| 2025 | 2 | $667K |
| 2020 | 1 | $14K |
| 2017 | 47 | $2.2M |
| 2013 | 1 | $0 |
| 2011 | 5 | $230K |
| 2008 | 2 | $141K |
| 2002 | 5 | $273K |
| 1993 | 10 | $78K |
| 1982 | 1 | $301 |
| 1979 | 1 | $134 |
Neighboring counties
| Neighbor | Claims | Paid | Outside high-risk |
|---|---|---|---|
| Howell County (this page) | 75 | $3.6M | 18% |
| Oregon County | 39 | $490K | 3% |
| Shannon County | 18 | $158K | 0% |
| Texas County | 15 | $310K | 50% |
| Ozark County | 6 | $335K | 0% |
All 107 Missouri counties → · County and ZIP rankings →
Common questions about flooding in Howell County
- Has Howell County flooded recently?
- The most recent flood loss with an insurance claim on file was on 2025-04-04, in FEMA data through 2026-09-08. Claims were filed in 3 of the 10 years to 2026 (50 claims).
- Has Howell County had a FEMA disaster declaration?
- Yes — Howell County has been named a designated area in 25 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 4. See the full list with dates and aid programs →
- What flood zone is Howell County in?
- No single zone covers a whole county. Across 73 Howell County claims with a zone on file, the most common was Zone AE (75%), 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 29091, 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.