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Lincoln County, MO flood insurance claims history

2,253 claims under the National Flood Insurance Program on file for flood losses in Lincoln County since 1979, with $37.1M paid. The worst year was 1993 with 511 claims. Lincoln County ranks #4 of 107 in Missouri by claim count.

What the Lincoln County record shows

4% of claims with a zone on file came from outside FEMA's high-risk zones, well below the 14% across Missouri.
17% of all claims trace to one event, Midwest Flooding (1993), which paid $10.3M here.
Per claim, the costliest named event was Hurricane Ike (2008), averaging $27K across 56 claims.
1993 alone produced 23% of the claims on file.
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 318 claims, 50% fewer than 2006–2015 (638). Counts also move with how many buildings held a policy.
ZIP codes 63343, 63347 and 63389 hold 72% of claims, out of 20 ZIP codes with any.
May through July accounts for 61% of losses.
St. Charles County has the most claims among its neighbors (9,999, against 2,253 here).

NFIP claims

2,253

1979–2026

Total paid

$37.1M

nominal dollars, not inflation-adjusted

Claims paid

88%

1,991 received a payment

Average payout

$19K

per paid claim

Last 10 years

311

claims 2017 – 2026

Most recent loss

2026-04-19

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: 511 claims in 1993

'80

'85

'90

'95

'00

'05

'10

'15

'20

'25

Biggest flood events in Lincoln County

Flood event (FEMA name)	Claims	Paid	Avg / claim	Year
Midwest Flooding	383	$10.3M	$27K	1993
Not a named storm	121	$809K	$7K	1982
Flooding (FEMA general label)	60	$429K	$7K	1995
Flooding (FEMA general label)	57	$290K	$5K	1986
Hurricane Ike	56	$1.5M	$27K	2008
Flooding (FEMA general label)	43	$498K	$12K	1994
Early winter storms	35	$226K	$6K	2015
Flooding (FEMA general label)	28	$232K	$8K	1990
Flooding (FEMA general label)	25	$84K	$3K	1985
Late spring severe storms	14	$158K	$11K	2017
Late spring storms	10	$73K	$7K	2011
Late July Flooding	5	$102K	$20K	2022

37% of claims here fall under these 12 entries.How to read these labels.

Federal disaster declarations for Lincoln County

Lincoln County has been a designated area in 29 declarations since 1965, 25 of them for flooding, storms or hurricanes. None since 2024 — the most recent was DR-4612-MO (2021-09-01).

Declared	FEMA number	Incident	Declared for	Dates of the incident	Aid unlocked here
2021-09-01	DR-4612-MO major disaster	Severe Storm	Severe Storms, Straight-Line Winds, Tornadoes, and Flooding	2021-06-24 → 2021-07-01	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	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
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
2011-02-03	EM-3317-MO emergency	Severe Storm	Severe Winter Storm	2011-01-31 → 2011-02-05	Public Assistance
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
2008-06-25	DR-1773-MO major disaster	Severe Storm	Severe Storms and Flooding	2008-06-01 → 2008-08-13	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
2007-12-27	DR-1736-MO major disaster	Severe Ice Storm	Severe Winter Storms	2007-12-06 → 2007-12-15	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
2007-01-15	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, 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	Public Assistance
1995-06-02	DR-1054-MO major disaster	Severe Storm	Severe Storms, Tornadoes, Hail, Flooding	1995-05-13 → 1995-06-23	Individual Assistance
1994-04-21	DR-1023-MO major disaster	Severe Storm	Severe Storms, Tornadoes, Flooding	1994-04-09 → 1994-05-05	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
1965-06-14	DR-198-MO major disaster	Severe Storm	Flooding	1965-06-14	Individual Assistance, Public Assistance

OpenFEMA data through 2026-11-02; only declarations naming Lincoln County itself are listed. 15 of these 29 opened Individual Assistance here. What a declaration does and does not pay for.

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

High-risk A zones: 1,973 (88%)Coastal high-risk V zones: 0 (0%)Moderate / low-risk zones (B, C, X): 90 (4%)Zone not recorded: 190 (8%)

The most common zone on Lincoln County claims is Zone AE — 965 of 2,063 claims with a zone on file (47%). 96% were in a high-risk Special Flood Hazard Area.

Flood zone at rating	Claims	Share	Paid	Avg / claim
Zone AE · high risk, insurance required	965	47%	$18.0M	$19K
Zone A1–A30 · high risk, insurance required	656	32%	$11.3M	$17K
Zone A · high risk, insurance required	352	17%	$4.9M	$14K
Zone X · moderate / low risk	48	2%	$1.0M	$22K
Zone B · moderate / low risk	23	1%	$434K	$19K
Zone C · moderate / low risk	19	1%	$260K	$14K

190 Lincoln 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	1,428	63%
Accumulation of rainfall or snowmelt	458	20%
Tidal water overflow (storm surge)	247	11%
Other causes	93	4%
Not recorded	13	1%
Alluvial fan overflow	10	0%

Flood claims by ZIP code in Lincoln County

21 ZIP codes with at least one claim FEMA assigned to Lincoln County.


63343	757	$8.3M	34%	38	2026
63347	443	$7.9M	20%	22	2022
63389	433	$11.2M	19%	28	2020
63369	302	$5.0M	13%	24	2024
Not reported	91	$878K	4%	9	1994
63379	82	$1.2M	4%	17	2024
63377	70	$1.7M	3%	6	2015
63362	29	$292K	1%	12	2022
63330	14	$96K	1%	8	2015
65338	6	$199K	0%	4	2008
63344	6	$22K	0%	6	2020
63341	4	$82K	0%	2	2008
63349	4	$67K	0%	1	2015
63031	3	$48K	0%	2	1993
33470	2	$22K	0%	2	1983
63088	2	$4K	0%	2	1996
63139	1	$84K	0%	1	2008
63301	1	$33K	0%	1	1993
63309	1	$22K	0%	1	1995
63399	1	$14K	0%	1	2008
63366	1	$32K	0%	1	1993

When does Lincoln County flood?

June accounts for the most flood losses (508 claims, 23%). Claims by month of loss:

Month	Claims	Share
January	7	0%
February	12	1%
March	79	4%
April	345	15%
May	456	20%
June	508	23%
July	420	19%
August	44	2%
September	123	5%
October	82	4%
November	11	0%
December	166	7%

Year-by-year detail

Year of loss	Claims	Paid
2026	4	$60K
2025	9	$267K
2024	14	$141K
2023	6	$92K
2022	8	$179K
2021	9	$157K
2020	24	$281K
2019	176	$6.1M
2018	39	$139K
2017	22	$174K
2016	11	$26K
2015	123	$1.6M
2014	36	$184K
2013	87	$811K
2011	25	$101K
2010	37	$86K
2009	27	$70K
2008	296	$10.1M
2007	7	$25K
2005	1	$0
2004	4	$4K
2003	3	$13K
2002	26	$73K
2001	66	$1.1M
2000	12	$14K
1999	17	$25K
1998	28	$70K
1997	20	$28K
1996	42	$131K
1995	65	$445K
1994	43	$498K
1993	511	$11.9M
1992	7	$6K
1991	16	$14K
1990	49	$308K
1986	72	$331K
1985	27	$86K
1984	4	$4K
1983	114	$491K
1982	140	$861K
1979	26	$88K

Neighboring counties

Neighbor	Claims	Paid	Outside high-risk
Lincoln County (this page)	2,253	$37.1M	4%
St. Charles County	9,999	$155.9M	5%
Calhoun County, IL	1,690	$16.8M	8%
Pike County	938	$10.5M	6%
Montgomery County	126	$1.3M	3%
Warren County	102	$2.3M	9%

All 107 Missouri counties → · County and ZIP rankings →

Common questions about flooding in Lincoln County

Has Lincoln County flooded recently?: The most recent flood loss with an insurance claim on file was on 2026-04-19, in FEMA data through 2026-09-08. Claims were filed in 10 of the 10 years to 2026 (311 claims).
Has Lincoln County had a FEMA disaster declaration?: Yes — Lincoln County has been named a designated area in 29 federal disaster declarations since 1965. The most recent is Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (DR-4612-MO, declared 2021-09-01). There have been none since 2024. See the full list with dates and aid programs →
What flood zone is Lincoln County in?: No single zone covers a whole county. Across 2,063 Lincoln County claims with a zone on file, the most common was Zone AE (47%), and 96% 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 29113, 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.