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Jefferson County, MO flood insurance claims history

4,592 claims under the National Flood Insurance Program on file for flood losses in Jefferson County since 1978, with $69.3M paid. The worst year was 1993 with 792 claims. Jefferson County ranks #3 of 107 in Missouri by claim count.

What the Jefferson County record shows

15% of claims with a zone on file came from outside FEMA's high-risk zones.
No single storm dominates: Midwest Flooding (1993), Late spring severe storms (2017) and Early winter storms (2015) together account for 16% of claims.
Per claim, the costliest named event was Early winter storms (2015), averaging $55K across 190 claims.
Claims were filed in 10 of the 10 years to 2026, so flooding here is regular rather than once in a generation.
2016–2025 brought 381 claims, 45% fewer than 2006–2015 (696). Counts also move with how many buildings held a policy.
ZIP codes 63010, 63025 and 63016 hold 50% of claims, out of 28 ZIP codes with any.
March through May accounts for 51% of losses.
St. Louis County has the most claims among its neighbors (12,031, against 4,592 here).

NFIP claims

4,592

1978–2026

Total paid

$69.3M

nominal dollars, not inflation-adjusted

Claims paid

85%

3,916 received a payment

Average payout

$18K

per paid claim

Last 10 years

341

claims 2017 – 2026

Most recent loss

2026-03-08

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: 792 claims in 1993

'80

'85

'90

'95

'00

'05

'10

'15

'20

'25

Biggest flood events in Jefferson County

Flood event (FEMA name)	Claims	Paid	Avg / claim	Year
Not a named storm	385	$5.5M	$14K	1982
Midwest Flooding	341	$9.9M	$29K	1993
Flooding (FEMA general label)	313	$3.1M	$10K	1994
Late spring severe storms	192	$7.2M	$38K	2017
Early winter storms	190	$10.4M	$55K	2015
March storm	166	$4.6M	$27K	2008
Flooding (FEMA general label)	158	$2.1M	$14K	1995
Flooding (FEMA general label)	100	$525K	$5K	1986
Hurricane Ike	87	$1.4M	$16K	2008
Flooding (FEMA general label)	85	$239K	$3K	1985
Flooding (FEMA general label)	28	$59K	$2K	1990
Mid-spring storms	11	$120K	$11K	2011

45% of claims here fall under these 12 entries.How to read these labels.

Federal disaster declarations for Jefferson County

Jefferson County has been a designated area in 30 declarations since 1973, 26 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
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	Individual 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
2015-08-07	DR-4238-MO major disaster	Severe Storm	Severe Storms, Tornadoes, Straight-Line Winds, and Flooding	2015-05-15 → 2015-07-27	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, 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, 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
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, 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	Individual Assistance
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
1993-05-11	DR-989-MO major disaster	Flood	Severe Storms & Flooding	1993-04-15 → 1993-05-29	Individual Assistance
1982-12-10	DR-672-MO major disaster	Flood	Severe Storms and Flooding	1982-12-10	Individual Assistance
1979-04-21	DR-579-MO major disaster	Tornado	Tornadoes, Torrential Rain & Flooding	1979-04-21	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 Jefferson County itself are listed. 20 of these 30 opened Individual Assistance here. What a declaration does and does not pay for.

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

High-risk A zones: 3,565 (78%)Coastal high-risk V zones: 0 (0%)Moderate / low-risk zones (B, C, X): 610 (13%)Zone not recorded: 417 (9%)

The most common zone on Jefferson County claims is Zone A1–A30 — 1,941 of 4,175 claims with a zone on file (46%). 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	1,941	46%	$24.4M	$13K
Zone AE · high risk, insurance required	923	22%	$25.6M	$28K
Zone A · high risk, insurance required	700	17%	$6.6M	$9K
Zone B · moderate / low risk	253	6%	$3.1M	$12K
Zone C · moderate / low risk	208	5%	$3.1M	$15K
Zone X · moderate / low risk	149	4%	$3.3M	$22K
Zone AH · high risk, insurance required	1	0%	$2K	$2K

417 Jefferson 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	2,183	48%
Tidal water overflow (storm surge)	1,118	24%
Accumulation of rainfall or snowmelt	1,066	23%
Other causes	157	3%
Not recorded	34	1%
Alluvial fan overflow	27	1%

Flood claims by ZIP code in Jefferson County

29 ZIP codes with at least one claim FEMA assigned to Jefferson County.


63010	1,168	$15.6M	25%	33	2025
63025	638	$10.7M	14%	27	2024
63016	497	$5.6M	11%	34	2026
63026	488	$10.2M	11%	30	2024
63019	343	$5.1M	7%	25	2024
63051	248	$3.1M	5%	31	2024
63012	181	$3.7M	4%	23	2024
63050	176	$2.5M	4%	28	2024
63023	156	$2.6M	3%	18	2025
63020	150	$2.6M	3%	23	2024
63028	131	$2.5M	3%	24	2021
63052	127	$1.6M	3%	25	2024
63049	75	$695K	2%	22	2024
63048	57	$1.2M	1%	15	2019
Not reported	49	$420K	1%	12	2000
63066	32	$387K	1%	11	2017
63070	24	$175K	1%	13	2024
63018	15	$130K	0%	4	1985
63053	6	$211K	0%	4	2019
63011	5	$10K	0%	3	1996
63069	4	$28K	0%	2	1985
63105	4	$81K	0%	3	1994
63060	4	$36K	0%	3	2008
63125	4	$31K	0%	3	1995
63001	3	$22K	0%	3	1994
63129	2	$0	0%	2	2000
65016	2	$0	0%	2	1994
10000	2	$10K	0%	2	1985
63630	1	$35K	0%	1	1982

When does Jefferson County flood?

April accounts for the most flood losses (1,112 claims, 24%). Claims by month of loss:

Month	Claims	Share
January	48	1%
February	94	2%
March	280	6%
April	1,112	24%
May	936	20%
June	149	3%
July	391	9%
August	123	3%
September	383	8%
October	123	3%
November	346	8%
December	607	13%

Year-by-year detail

Year of loss	Claims	Paid
2026	1	$9K
2025	3	$57K
2024	56	$1.8M
2023	3	$9K
2022	28	$1.0M
2021	6	$177K
2020	9	$75K
2019	31	$1.6M
2018	8	$42K
2017	196	$7.3M
2016	41	$796K
2015	242	$12.0M
2014	12	$114K
2013	80	$1.9M
2011	14	$125K
2010	2	$979
2009	46	$435K
2008	290	$6.5M
2007	1	$8K
2006	9	$37K
2005	27	$203K
2004	7	$19K
2003	63	$789K
2002	42	$281K
2001	7	$32K
2000	82	$642K
1999	11	$20K
1998	26	$192K
1997	18	$69K
1996	125	$892K
1995	179	$2.3M
1994	348	$3.1M
1993	792	$15.0M
1992	8	$9K
1991	3	$31K
1990	84	$374K
1989	3	$7K
1988	1	$0
1987	1	$477
1986	106	$539K
1985	266	$1.2M
1984	36	$40K
1983	425	$1.6M
1982	438	$5.6M
1981	54	$142K
1980	16	$31K
1979	320	$2.2M
1978	26	$38K

Neighboring counties

Neighbor	Claims	Paid	Outside high-risk
Jefferson County (this page)	4,592	$69.3M	15%
St. Louis County	12,031	$264.8M	16%
Ste. Genevieve County	1,160	$7.0M	3%
Franklin County	1,097	$32.2M	12%
Monroe County, IL	689	$22.7M	4%
St. Francois County	94	$2.8M	14%
Washington County	38	$265K	12%

All 107 Missouri counties → · County and ZIP rankings →

Common questions about flooding in Jefferson County

Has Jefferson County flooded recently?: The most recent flood loss with an insurance claim on file was on 2026-03-08, in FEMA data through 2026-09-08. Claims were filed in 10 of the 10 years to 2026 (341 claims).
Has Jefferson County had a FEMA disaster declaration?: Yes — Jefferson County has been named a designated area in 30 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 Jefferson County in?: No single zone covers a whole county. Across 4,175 Jefferson County claims with a zone on file, the most common was Zone A1–A30 (46%), 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 29099, 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.