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Laclede County, MO flood insurance claims history
26 claims under the National Flood Insurance Program on file for flood losses in Laclede County since 1986, with $654K paid.
Only 26 claims on file here. Few claims can simply mean few insured buildings, so compare the neighboring counties below as well.
What the Laclede County record shows
- 48% of claims with a zone on file came from outside FEMA's high-risk zones, well above the 14% across Missouri.
- 15% of all claims trace to one event, Early winter storms (2015), which paid $174K here.
- 2015 alone produced 38% of the claims on file.
- Claims came in just 3 of the 10 years to 2026.
- 2016–2025 brought 3 claims, 84% fewer than 2006–2015 (19). Counts also move with how many buildings held a policy.
- The average paid claim is $33K, above the Missouri average of $23K (nominal dollars).
- 23% of claims closed without a payment, against 15% statewide.
- ZIP codes 65536, 65470 and 65463 hold 96% of claims, out of 4 ZIP codes with any.
- Pulaski County has the most claims among its neighbors (267, against 26 here).
NFIP claims
26
1986–2022
Total paid
$654K
nominal dollars, not inflation-adjusted
Claims paid
77%
20 received a payment
Average payout
$33K
per paid claim
Last 10 years
3
claims 2017 – 2026
Most recent loss
2022-05-23
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: 10 claims in 2015
Biggest flood events in Laclede County
| Flood event (FEMA name) | Claims | Paid | Avg / claim | Year |
|---|---|---|---|---|
| Early winter storms | 4 | $174K | $44K | 2015 |
| March storm | 1 | $84K | $84K | 2008 |
| Mid-spring storms | 1 | $39K | $39K | 2011 |
| Late spring severe storms | 1 | $25K | $25K | 2017 |
| Late spring storms | 1 | $12K | $12K | 2012 |
| Flooding (FEMA general label) | 1 | $0 | $0 | 1986 |
35% of claims here fall under these 6 entries.How to read these labels.
Federal disaster declarations for Laclede County
Laclede County has been a designated area in 23 declarations since 1973, 20 of them for flooding, storms or hurricanes. None since 2024 — the most recent was DR-4552-MO (2020-07-09).
| Declared | FEMA number | Incident | Declared for | Dates of the incident | Aid unlocked here |
|---|---|---|---|---|---|
| 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 |
| 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, 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 |
| 2013-09-06 | DR-4144-MO major disaster | Severe Storm | Severe Storms, Straight-Line Winds and Flooding | 2013-08-02 → 2013-08-14 | Public Assistance, Hazard Mitigation |
| 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 |
| 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 |
| 2008-02-05 | DR-1742-MO major disaster | Severe Storm | Severe Storms, Tornadoes, and Flooding | 2008-01-07 → 2008-01-10 | 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 |
| 2007-09-21 | DR-1728-MO major disaster | Severe Storm | Severe Storms and Flooding | 2007-08-19 → 2007-08-21 | Public Assistance, Hazard Mitigation |
| 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, 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 |
| 1993-07-09 | DR-995-MO major disaster | Flood | Severe Storms & Flooding | 1993-06-10 → 1993-10-25 | 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 Laclede County itself are listed. 8 of these 23 opened Individual Assistance here. What a declaration does and does not pay for.
Flood claims by ZIP code in Laclede County
4 ZIP codes with at least one claim FEMA assigned to Laclede County.
Neighboring counties
| Neighbor | Claims | Paid | Outside high-risk |
|---|---|---|---|
| Laclede County (this page) | 26 | $654K | 48% |
| Pulaski County | 267 | $7.0M | 23% |
| Camden County | 92 | $1.7M | 49% |
| Texas County | 15 | $310K | 50% |
| Webster County | 13 | $341K | 33% |
| Wright County | 8 | $93K | 57% |
| Dallas County | 3 | $28K | 67% |
All 107 Missouri counties → · County and ZIP rankings →
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Source: FEMA NFIP Redacted Claims, FIPS 29105, 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.