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Lawrence County, MO flood insurance claims history
34 claims under the National Flood Insurance Program on file for flood losses in Lawrence County since 1981, with $657K paid.
Only 34 claims on file here. Few claims can simply mean few insured buildings, so compare the neighboring counties below as well.
What the Lawrence County record shows
- 39% of claims with a zone on file came from outside FEMA's high-risk zones, well above the 14% across Missouri.
- 18% of all claims trace to one event, Early winter storms (2015), which paid $178K here.
- 2021 alone produced 53% of the claims on file.
- Claims came in just 2 of the 10 years to 2026.
- 2016–2025 brought 20 claims, 100% more than 2006–2015 (10). Counts also move with how many buildings held a policy.
- 24% of claims closed without a payment, against 15% statewide.
- ZIP codes 65605, 65708 and 65723 hold 71% of claims, out of 6 ZIP codes with any.
- March through May accounts for 65% of losses.
- Newton County has the most claims among its neighbors (215, against 34 here).
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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 Lawrence County
| Flood event (FEMA name) | Claims | Paid | Avg / claim | Year |
|---|---|---|---|---|
| Early winter storms | 6 | $178K | $30K | 2015 |
| Not a named storm | 1 | $25K | $25K | 1982 |
| March storm | 1 | $0 | $0 | 2008 |
24% of claims here fall under these 3 entries.How to read these labels.
Federal disaster declarations for Lawrence County
Lawrence County has been a designated area in 20 declarations since 1973, 18 of them for flooding, storms or hurricanes. Since 2024 it has been included in 1: Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (DR-4876-MO, 2025).
| Declared | FEMA number | Incident | Declared for | Dates of the incident | Aid unlocked here |
|---|---|---|---|---|---|
| 2025-06-09 | DR-4876-MO major disaster | Severe Storm | Severe Storms, Straight-Line Winds, Tornadoes, and Flooding | 2025-04-29 | Public 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 |
| 2017-06-02 | DR-4317-MO major disaster | Flood | Severe Storms, Tornadoes, Straight-Line Winds and Flooding | 2017-04-28 → 2017-05-11 | 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 |
| 2011-05-09 | DR-1980-MO major disaster | Severe Storm | Severe Storms, Tornadoes, and Flooding | 2011-04-19 → 2011-06-06 | Individual 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 |
| 2008-03-19 | 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 |
| 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 |
| 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, Public Assistance |
| 1993-07-09 | DR-995-MO major disaster | Flood | Severe Storms & Flooding | 1993-06-10 → 1993-10-25 | 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 Lawrence County itself are listed. 9 of these 20 opened Individual Assistance here. What a declaration does and does not pay for.
Flood claims by ZIP code in Lawrence County
6 ZIP codes with at least one claim FEMA assigned to Lawrence County.
| 65605 | 8 | $103K | 24% | 2 | 2021 |
| 65708 | 8 | $154K | 24% | 3 | 2021 |
| 65723 | 8 | $264K | 24% | 5 | 2021 |
| 65705 | 5 | $85K | 15% | 3 | 2022 |
| 65712 | 3 | $12K | 9% | 2 | 2015 |
| 65769 | 2 | $40K | 6% | 2 | 2021 |
Neighboring counties
| Neighbor | Claims | Paid | Outside high-risk |
|---|---|---|---|
| Lawrence County (this page) | 34 | $657K | 39% |
| Newton County | 215 | $5.4M | 25% |
| Greene County | 206 | $3.4M | 54% |
| Jasper County | 175 | $2.9M | 39% |
| Christian County | 78 | $2.9M | 47% |
| Stone County | 75 | $2.1M | 37% |
| Barry County | 53 | $2.1M | 19% |
All 107 Missouri counties → · County and ZIP rankings →
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Source: FEMA NFIP Redacted Claims, FIPS 29109, 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.