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Madison County, MO flood insurance claims history
155 claims under the National Flood Insurance Program on file for flood losses in Madison County since 1981, with $2.6M paid. The worst year was 1999 with 59 claims. Madison County ranks #37 of 107 in Missouri by claim count.
What the Madison County record shows
- 38% of claims with a zone on file came from outside FEMA's high-risk zones, well above the 14% across Missouri.
- 1999 alone produced 38% of the claims on file.
- Claims came in just 3 of the 10 years to 2026.
- ZIP 63645 alone holds 87% of claims.
- March through May accounts for 81% of losses.
- Perry County has the most claims among its neighbors (259, against 155 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 Madison County
| Flood event (FEMA name) | Claims | Paid | Avg / claim | Year |
|---|---|---|---|---|
| Flooding (FEMA general label) | 15 | $54K | $4K | 1986 |
| Not a named storm | 5 | $8K | $2K | 1982 |
| Late spring severe storms | 2 | $53K | $26K | 2017 |
| March storm | 2 | $22K | $11K | 2008 |
15% of claims here fall under these 4 entries.How to read these labels.
Federal disaster declarations for Madison County
Madison County has been a designated area in 26 declarations since 1973, 23 of them for flooding, storms or hurricanes. Since 2024 it has been included in 4: 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), Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (DR-4803-MO, 2024).
| 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 | 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 | Public Assistance |
| 2024-07-23 | DR-4803-MO major disaster | Severe Storm | Severe Storms, Straight-Line Winds, Tornadoes, and Flooding | 2024-05-19 → 2024-05-27 | Public Assistance, Hazard Mitigation |
| 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 |
| 2016-01-02 | 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 | 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 |
| 2009-02-17 | DR-1822-MO major disaster | Severe Storm | Severe Winter Storm | 2009-01-26 → 2009-01-28 | 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 |
| 2008-11-13 | DR-1809-MO major disaster | Severe Storm | Severe Storms, Flooding, and a Tornado | 2008-09-11 → 2008-09-24 | 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 |
| 2008-03-12 | DR-1748-MO major disaster | Severe Ice Storm | Severe Winter Storms and Flooding | 2008-02-10 → 2008-02-14 | 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 |
| 2005-09-10 | EM-3232-MO emergency | Hurricane | Hurricane Katrina Evacuation | 2005-08-29 → 2005-10-01 | Public Assistance |
| 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, Hazard Mitigation |
| 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 |
| 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 Madison County itself are listed. 8 of these 26 opened Individual Assistance here. What a declaration does and does not pay for.
Flood zones in Madison County: which ones the claims came from
The most common zone on Madison County claims is Zone A1–A30 — 57 of 152 claims with a zone on file (38%). 63% 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 | 57 | 38% | $1.0M | $18K |
| Zone B · moderate / low risk | 38 | 25% | $467K | $12K |
| Zone AE · high risk, insurance required | 26 | 17% | $446K | $17K |
| Zone C · moderate / low risk | 14 | 9% | $331K | $24K |
| Zone A · high risk, insurance required | 12 | 8% | $292K | $24K |
| Zone X · moderate / low risk | 5 | 3% | $38K | $8K |
3 Madison 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 | 87 | 56% |
| Accumulation of rainfall or snowmelt | 58 | 37% |
| Tidal water overflow (storm surge) | 8 | 5% |
| Other causes | 2 | 1% |
Flood claims by ZIP code in Madison County
2 ZIP codes with at least one claim FEMA assigned to Madison County.
When does Madison County flood?
May accounts for the most flood losses (62 claims, 40%). Claims by month of loss:
| Month | Claims | Share |
|---|---|---|
| January | 0 | 0% |
| February | 1 | 1% |
| March | 4 | 3% |
| April | 60 | 39% |
| May | 62 | 40% |
| June | 1 | 1% |
| July | 0 | 0% |
| August | 8 | 5% |
| September | 1 | 1% |
| October | 1 | 1% |
| November | 12 | 8% |
| December | 5 | 3% |
Year-by-year detail
| Year of loss | Claims | Paid |
|---|---|---|
| 2023 | 1 | $27K |
| 2022 | 7 | $291K |
| 2017 | 2 | $53K |
| 2013 | 1 | $2K |
| 2008 | 2 | $22K |
| 2006 | 1 | $138K |
| 2004 | 1 | $2K |
| 2002 | 47 | $810K |
| 1999 | 59 | $1.1M |
| 1997 | 1 | $3K |
| 1993 | 12 | $84K |
| 1986 | 15 | $54K |
| 1982 | 5 | $8K |
| 1981 | 1 | $660 |
Neighboring counties
| Neighbor | Claims | Paid | Outside high-risk |
|---|---|---|---|
| Madison County (this page) | 155 | $2.6M | 38% |
| Perry County | 259 | $5.0M | 3% |
| Wayne County | 141 | $3.2M | 9% |
| Bollinger County | 116 | $2.3M | 18% |
| St. Francois County | 94 | $2.8M | 14% |
| Iron County | 59 | $409K | 15% |
All 107 Missouri counties → · County and ZIP rankings →
Common questions about flooding in Madison County
- Has Madison County flooded recently?
- The most recent flood loss with an insurance claim on file was on 2023-08-14, in FEMA data through 2026-09-08. Claims were filed in 3 of the 10 years to 2026 (10 claims).
- Has Madison County had a FEMA disaster declaration?
- Yes — Madison County has been named a designated area in 26 federal disaster declarations since 1973. The most recent is Severe Storms, Straight-Line Winds, and Flooding (DR-4939-MO, declared 2026-09-01). Since 2024 there have been 4. See the full list with dates and aid programs →
- What flood zone is Madison County in?
- No single zone covers a whole county. Across 152 Madison County claims with a zone on file, the most common was Zone A1–A30 (38%), and 63% 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 29123, 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.