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McDonald County, MO flood insurance claims history
386 claims under the National Flood Insurance Program on file for flood losses in McDonald County since 1995, with $12.8M paid. The worst year was 2019 with 63 claims. McDonald County ranks #20 of 107 in Missouri by claim count.
What the McDonald County record shows
- 13% of claims with a zone on file came from outside FEMA's high-risk zones.
- 13% of all claims trace to one event, Late spring severe storms (2017), which paid $2.9M here.
- Per claim, the costliest named event was Early winter storms (2015), averaging $59K across 50 claims.
- Claims were filed in 9 of the 10 years to 2026, so flooding here is regular rather than once in a generation.
- The average paid claim is $38K, above the Missouri average of $23K (nominal dollars).
- ZIP codes 64854, 64831 and 64856 hold 96% of claims, out of 8 ZIP codes with any.
- April through June accounts for 57% of losses.
- McDonald County has more claims than any of its 2 neighbors.
NFIP claims
386
1995–2025
Total paid
$12.8M
nominal dollars, not inflation-adjusted
Claims paid
87%
337 received a payment
Average payout
$38K
per paid claim
Last 10 years
172
claims 2017 – 2026
Most recent loss
2025-04-20
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: 63 claims in 2019
Biggest flood events in McDonald County
| Flood event (FEMA name) | Claims | Paid | Avg / claim | Year |
|---|---|---|---|---|
| Late spring severe storms | 52 | $2.9M | $55K | 2017 |
| Early winter storms | 50 | $2.9M | $59K | 2015 |
| Mid-spring storms | 40 | $1.7M | $43K | 2011 |
| March storm | 20 | $821K | $41K | 2008 |
| Flooding (FEMA general label) | 4 | $170K | $42K | 1995 |
43% of claims here fall under these 5 entries.How to read these labels.
Federal disaster declarations for McDonald County
McDonald County has been a designated area in 26 declarations since 1973, 24 of them for flooding, storms or hurricanes. Since 2024 it has been included in 2: Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (DR-4876-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 |
|---|---|---|---|---|---|
| 2025-06-09 | DR-4876-MO major disaster | Severe Storm | Severe Storms, Straight-Line Winds, Tornadoes, and Flooding | 2025-04-29 | 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 |
| 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 |
| 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 |
| 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 |
| 2011-05-09 | DR-1980-MO major disaster | Severe Storm | Severe Storms, Tornadoes, and Flooding | 2011-04-19 → 2011-06-06 | Individual Assistance, 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 |
| 2009-01-30 | 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 |
| 2007-12-27 | 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 |
| 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 |
| 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 |
| 1993-07-09 | DR-995-MO major disaster | Flood | Severe Storms & Flooding | 1993-06-10 → 1993-10-25 | Individual Assistance, Public Assistance |
| 1986-10-14 | DR-779-MO major disaster | Flood | Severe Storms & Flooding | 1986-09-18 → 1986-10-15 | 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 McDonald County itself are listed. 11 of these 26 opened Individual Assistance here. What a declaration does and does not pay for.
Flood zones in McDonald County: which ones the claims came from
High-risk A zones: 323 (84%)Coastal high-risk V zones: 0 (0%)Moderate / low-risk zones (B, C, X): 50 (13%)Zone not recorded: 13 (3%)
The most common zone on McDonald County claims is Zone A — 293 of 373 claims with a zone on file (79%). 87% were in a high-risk Special Flood Hazard Area.
| Flood zone at rating | Claims | Share | Paid | Avg / claim |
|---|---|---|---|---|
| Zone A · high risk, insurance required | 293 | 79% | $7.8M | $27K |
| Zone AE · high risk, insurance required | 30 | 8% | $1.7M | $58K |
| Zone X · moderate / low risk | 29 | 8% | $1.9M | $67K |
| Zone C · moderate / low risk | 21 | 6% | $961K | $46K |
13 McDonald 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 | 286 | 74% |
| Accumulation of rainfall or snowmelt | 66 | 17% |
| Other causes | 20 | 5% |
| Not recorded | 12 | 3% |
| Tidal water overflow (storm surge) | 2 | 1% |
Flood claims by ZIP code in McDonald County
8 ZIP codes with at least one claim FEMA assigned to McDonald County.
| 64854 | 288 | $8.2M | 75% | 15 | 2025 |
| 64831 | 59 | $3.1M | 15% | 8 | 2022 |
| 64856 | 24 | $818K | 6% | 4 | 2017 |
| 64863 | 7 | $461K | 2% | 5 | 2019 |
| 65805 | 4 | $17K | 1% | 1 | 2009 |
| 64861 | 2 | $123K | 1% | 2 | 2015 |
| 65730 | 1 | $8K | 0% | 1 | 2013 |
| 64867 | 1 | $35K | 0% | 1 | 2023 |
When does McDonald County flood?
April accounts for the most flood losses (114 claims, 30%). Claims by month of loss:
| Month | Claims | Share |
|---|---|---|
| January | 15 | 4% |
| February | 12 | 3% |
| March | 41 | 11% |
| April | 114 | 30% |
| May | 61 | 16% |
| June | 44 | 11% |
| July | 2 | 1% |
| August | 24 | 6% |
| September | 0 | 0% |
| October | 21 | 5% |
| November | 2 | 1% |
| December | 50 | 13% |
Year-by-year detail
| Year of loss | Claims | Paid |
|---|---|---|
| 2025 | 2 | $9K |
| 2024 | 4 | $23K |
| 2023 | 15 | $262K |
| 2022 | 14 | $179K |
| 2021 | 4 | $21K |
| 2020 | 4 | $9K |
| 2019 | 63 | $1.9M |
| 2018 | 11 | $165K |
| 2017 | 55 | $2.9M |
| 2015 | 53 | $3.0M |
| 2013 | 24 | $642K |
| 2011 | 60 | $2.2M |
| 2009 | 16 | $131K |
| 2008 | 55 | $1.2M |
| 2005 | 1 | $2K |
| 2001 | 1 | $3K |
| 1995 | 4 | $170K |
Neighboring counties
| Neighbor | Claims | Paid | Outside high-risk |
|---|---|---|---|
| McDonald County (this page) | 386 | $12.8M | 13% |
| Newton County | 215 | $5.4M | 25% |
| Barry County | 53 | $2.1M | 19% |
All 107 Missouri counties → · County and ZIP rankings →
Common questions about flooding in McDonald County
- Has McDonald County flooded recently?
- The most recent flood loss with an insurance claim on file was on 2025-04-20, in FEMA data through 2026-09-08. Claims were filed in 9 of the 10 years to 2026 (172 claims).
- Has McDonald County had a FEMA disaster declaration?
- Yes — McDonald County has been named a designated area in 26 federal disaster declarations since 1973. The most recent is Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (DR-4876-MO, declared 2025-06-09). Since 2024 there have been 2. See the full list with dates and aid programs →
- What flood zone is McDonald County in?
- No single zone covers a whole county. Across 373 McDonald County claims with a zone on file, the most common was Zone A (79%), and 87% 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 29119, 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.