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Iron County, MO flood insurance claims history
59 claims under the National Flood Insurance Program on file for flood losses in Iron County since 1978, with $409K paid. The worst year was 2002 with 28 claims. Iron County ranks #59 of 107 in Missouri by claim count.
What the Iron County record shows
- 15% of claims with a zone on file came from outside FEMA's high-risk zones.
- No single storm dominates: Central U.S. April Flooding (2025), Late spring severe storms (2017) and March storm (2008) together account for 12% of claims.
- 2002 alone produced 47% of the claims on file.
- The average paid claim is $9K, below the Missouri average of $23K (nominal dollars).
- ZIP codes 63650, 63636 and 63620 hold 92% of claims, out of 5 ZIP codes with any.
- March through May accounts for 76% of losses.
- Madison County has the most claims among its neighbors (155, against 59 here).
NFIP claims
59
1978–2026
Total paid
$409K
nominal dollars, not inflation-adjusted
Claims paid
80%
47 received a payment
Average payout
$9K
per paid claim
Last 10 years
9
claims 2017 – 2026
Most recent loss
2026-07-11
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: 28 claims in 2002
Biggest flood events in Iron County
| Flood event (FEMA name) | Claims | Paid | Avg / claim | Year |
|---|---|---|---|---|
| Central U.S. April Flooding | 4 | $41K | $10K | 2025 |
| Late spring severe storms | 2 | $6K | $3K | 2017 |
| March storm | 1 | $5K | $5K | 2008 |
12% of claims here fall under these 3 entries.How to read these labels.
Federal disaster declarations for Iron County
Iron County has been a designated area in 27 declarations since 1976, 24 of them for flooding, storms or hurricanes. Since 2024 it has been included in 3: Severe Storms, Straight-Line Winds, and Flooding (DR-4939-MO, 2026), 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 |
|---|---|---|---|---|---|
| 2026-09-01 | DR-4939-MO major disaster | Severe Storm | Severe Storms, Straight-Line Winds, and Flooding | 2026-07-09 → 2026-07-11 | Public Assistance |
| 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 |
| 2023-09-21 | DR-4741-MO major disaster | Severe Storm | Severe Storms, Straight-Line Winds, Tornadoes, and Flooding | 2023-07-29 → 2023-08-14 | Public Assistance, Hazard Mitigation |
| 2022-01-10 | DR-4636-MO major disaster | Severe Storm | Severe Storms, Straight-Line Winds, and Tornadoes | 2021-12-10 | Public Assistance, Hazard Mitigation |
| 2020-03-26 | 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 | 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 |
| 2011-05-09 | DR-1980-MO major disaster | Severe Storm | Severe Storms, Tornadoes, and Flooding | 2011-04-19 → 2011-06-06 | 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 |
| 2009-01-30 | 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 |
| 2006-12-29 | DR-1673-MO major disaster | Severe Storm | Severe Winter Storms | 2006-11-30 → 2006-12-02 | Public Assistance, Hazard Mitigation |
| 2006-07-21 | EM-3267-MO emergency | Severe Storm | Severe Storms | 2006-07-19 → 2006-07-21 | Public Assistance |
| 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, Hazard Mitigation |
| 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 |
| 1999-04-20 | DR-1270-MO major disaster | Severe Storm | Severe Storms and Flooding | 1999-04-03 → 1999-04-14 | 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, Public Assistance |
| 1982-12-10 | DR-672-MO major disaster | Flood | Severe Storms and Flooding | 1982-12-10 | Individual Assistance, Public Assistance |
| 1976-09-24 | EM-3017-MO emergency | Drought | Drought | 1976-09-24 | Public Assistance |
OpenFEMA data through 2026-11-02; only declarations naming Iron County itself are listed. 12 of these 27 opened Individual Assistance here. What a declaration does and does not pay for.
Flood zones in Iron County: which ones the claims came from
High-risk A zones: 46 (78%)Coastal high-risk V zones: 0 (0%)Moderate / low-risk zones (B, C, X): 8 (14%)Zone not recorded: 5 (8%)
The most common zone on Iron County claims is Zone A1–A30 — 24 of 54 claims with a zone on file (44%). 85% 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 | 24 | 44% | $61K | $3K |
| Zone A · high risk, insurance required | 18 | 33% | $231K | $13K |
| Zone X · moderate / low risk | 5 | 9% | $90K | $18K |
| Zone AE · high risk, insurance required | 4 | 7% | $18K | $4K |
| Zone C · moderate / low risk | 3 | 6% | $5K | $2K |
5 Iron 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 | 34 | 58% |
| Accumulation of rainfall or snowmelt | 18 | 31% |
| Tidal water overflow (storm surge) | 5 | 8% |
| Other causes | 1 | 2% |
| Not recorded | 1 | 2% |
Flood claims by ZIP code in Iron County
5 ZIP codes with at least one claim FEMA assigned to Iron County.
When does Iron County flood?
May accounts for the most flood losses (29 claims, 49%). Claims by month of loss:
| Month | Claims | Share |
|---|---|---|
| January | 0 | 0% |
| February | 0 | 0% |
| March | 4 | 7% |
| April | 12 | 20% |
| May | 29 | 49% |
| June | 0 | 0% |
| July | 3 | 5% |
| August | 1 | 2% |
| September | 0 | 0% |
| October | 0 | 0% |
| November | 10 | 17% |
| December | 0 | 0% |
Year-by-year detail
| Year of loss | Claims | Paid |
|---|---|---|
| 2026 | 1 | $13K |
| 2025 | 4 | $41K |
| 2024 | 1 | $69K |
| 2022 | 1 | $0 |
| 2017 | 2 | $6K |
| 2009 | 1 | $554 |
| 2008 | 2 | $9K |
| 2002 | 28 | $233K |
| 1999 | 2 | $7K |
| 1998 | 2 | $5K |
| 1997 | 2 | $3K |
| 1993 | 8 | $20K |
| 1985 | 1 | $3K |
| 1982 | 1 | $614 |
| 1979 | 2 | $514 |
| 1978 | 1 | $143 |
Neighboring counties
| Neighbor | Claims | Paid | Outside high-risk |
|---|---|---|---|
| Iron County (this page) | 59 | $409K | 15% |
| Madison County | 155 | $2.6M | 38% |
| Reynolds County | 141 | $3.0M | 13% |
| Wayne County | 141 | $3.2M | 9% |
| Crawford County | 125 | $6.1M | 37% |
| St. Francois County | 94 | $2.8M | 14% |
| Washington County | 38 | $265K | 12% |
| Dent County | 5 | $27K | 0% |
All 107 Missouri counties → · County and ZIP rankings →
Common questions about flooding in Iron County
- Has Iron County flooded recently?
- The most recent flood loss with an insurance claim on file was on 2026-07-11, in FEMA data through 2026-09-08. Claims were filed in 5 of the 10 years to 2026 (9 claims).
- Has Iron County had a FEMA disaster declaration?
- Yes — Iron County has been named a designated area in 27 federal disaster declarations since 1976. The most recent is Severe Storms, Straight-Line Winds, and Flooding (DR-4939-MO, declared 2026-09-01). Since 2024 there have been 3. See the full list with dates and aid programs →
- What flood zone is Iron County in?
- No single zone covers a whole county. Across 54 Iron County claims with a zone on file, the most common was Zone A1–A30 (44%), and 85% 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 29093, 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.