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Mississippi County, MO flood insurance claims history
212 claims under the National Flood Insurance Program on file for flood losses in Mississippi County since 1978, with $4.4M paid. The worst year was 2011 with 119 claims. Mississippi County ranks #29 of 107 in Missouri by claim count.
What the Mississippi County record shows
- 7% of claims with a zone on file came from outside FEMA's high-risk zones.
- 54% of all claims trace to one event, Mid-spring storms (2011), which paid $4.0M here.
- 2011 alone produced 56% of the claims on file.
- Claims came in just 3 of the 10 years to 2026.
- 2016–2025 brought 3 claims, 98% fewer than 2006–2015 (129). Counts also move with how many buildings held a policy.
- ZIP codes 63845, 63834 and 63882 hold 98% of claims, out of 5 ZIP codes with any.
- March through May accounts for 92% of losses.
- Scott County has the most claims among its neighbors (484, against 212 here).
NFIP claims
212
1978–2026
Total paid
$4.4M
nominal dollars, not inflation-adjusted
Claims paid
79%
167 received a payment
Average payout
$26K
per paid claim
Last 10 years
3
claims 2017 – 2026
Most recent loss
2026-05-01
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: 119 claims in 2011
Biggest flood events in Mississippi County
| Flood event (FEMA name) | Claims | Paid | Avg / claim | Year |
|---|---|---|---|---|
| Mid-spring storms | 115 | $4.0M | $35K | 2011 |
| Late spring storms | 2 | $2K | $794 | 2011 |
| Central U.S. April Flooding | 1 | $0 | $0 | 2025 |
56% of claims here fall under these 3 entries.How to read these labels.
Federal disaster declarations for Mississippi County
Mississippi County has been a designated area in 25 declarations since 1973, 22 of them for flooding, storms or hurricanes. Since 2024 it has been included in 1: Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (DR-4872-MO, 2025).
| Declared | FEMA number | Incident | Declared for | Dates of the incident | Aid unlocked here |
|---|---|---|---|---|---|
| 2025-05-21 | DR-4872-MO major disaster | Severe Storm | Severe Storms, Straight-Line Winds, Tornadoes, and Flooding | 2025-03-30 → 2025-04-08 | Individual Assistance, Public Assistance |
| 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 |
| 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 |
| 2019-05-20 | DR-4435-MO major disaster | Flood | Severe Storms, Straight-Line Winds, and Flooding | 2019-03-11 → 2019-04-16 | 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 | 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 | 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, Public Assistance, Hazard Mitigation |
| 2011-02-03 | EM-3317-MO emergency | Severe Storm | Severe Winter Storm | 2011-01-31 → 2011-02-05 | Public Assistance |
| 2009-02-17 | 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 |
| 2008-06-25 | DR-1773-MO major disaster | Severe Storm | Severe Storms and Flooding | 2008-06-01 → 2008-08-13 | 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, 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 |
| 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 |
| 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 |
| 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 |
| 1979-04-21 | DR-579-MO major disaster | Tornado | Tornadoes, Torrential Rain & Flooding | 1979-04-21 | 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 Mississippi County itself are listed. 9 of these 25 opened Individual Assistance here. What a declaration does and does not pay for.
Flood zones in Mississippi County: which ones the claims came from
High-risk A zones: 157 (74%)Coastal high-risk V zones: 0 (0%)Moderate / low-risk zones (B, C, X): 12 (6%)Zone not recorded: 43 (20%)
The most common zone on Mississippi County claims is Zone AE — 100 of 169 claims with a zone on file (59%). 93% were in a high-risk Special Flood Hazard Area.
| Flood zone at rating | Claims | Share | Paid | Avg / claim |
|---|---|---|---|---|
| Zone AE · high risk, insurance required | 100 | 59% | $3.8M | $38K |
| Zone AH (filed as AH, AHB) · high risk, insurance required | 42 | 25% | $391K | $9K |
| Zone A · high risk, insurance required | 15 | 9% | $41K | $3K |
| Zone C · moderate / low risk | 6 | 4% | $6K | $977 |
| Zone X · moderate / low risk | 6 | 4% | $32K | $5K |
43 Mississippi 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 | 99 | 47% |
| Accumulation of rainfall or snowmelt | 62 | 29% |
| Tidal water overflow (storm surge) | 32 | 15% |
| Other causes | 10 | 5% |
| Not recorded | 9 | 4% |
Flood claims by ZIP code in Mississippi County
6 ZIP codes with at least one claim FEMA assigned to Mississippi County.
| 63845 | 175 | $3.7M | 83% | 15 | 2026 |
| 63834 | 24 | $598K | 11% | 3 | 2011 |
| 63882 | 8 | $41K | 4% | 6 | 2017 |
| 63823 | 3 | $31K | 1% | 2 | 2011 |
| Not reported | 1 | $800 | 0% | 1 | 1983 |
| 63820 | 1 | $3K | 0% | 1 | 2011 |
When does Mississippi County flood?
May accounts for the most flood losses (123 claims, 58%). Claims by month of loss:
| Month | Claims | Share |
|---|---|---|
| January | 4 | 2% |
| February | 4 | 2% |
| March | 30 | 14% |
| April | 41 | 19% |
| May | 123 | 58% |
| June | 2 | 1% |
| July | 2 | 1% |
| August | 1 | 0% |
| September | 2 | 1% |
| October | 0 | 0% |
| November | 0 | 0% |
| December | 3 | 1% |
Year-by-year detail
| Year of loss | Claims | Paid |
|---|---|---|
| 2026 | 1 | $0 |
| 2025 | 1 | $0 |
| 2017 | 1 | $0 |
| 2016 | 1 | $0 |
| 2015 | 2 | $0 |
| 2011 | 119 | $4.1M |
| 2009 | 1 | $0 |
| 2008 | 3 | $29K |
| 2007 | 3 | $17K |
| 2006 | 1 | $0 |
| 2004 | 1 | $1K |
| 2003 | 1 | $0 |
| 2002 | 1 | $5K |
| 1997 | 23 | $126K |
| 1994 | 1 | $6K |
| 1989 | 2 | $4K |
| 1984 | 6 | $9K |
| 1983 | 17 | $15K |
| 1979 | 26 | $98K |
| 1978 | 1 | $0 |
Neighboring counties
| Neighbor | Claims | Paid | Outside high-risk |
|---|---|---|---|
| Mississippi County (this page) | 212 | $4.4M | 7% |
| Scott County | 484 | $4.4M | 11% |
| Alexander County, IL | 444 | $3.2M | 9% |
| New Madrid County | 202 | $3.0M | 21% |
All 107 Missouri counties → · County and ZIP rankings →
Common questions about flooding in Mississippi County
- Has Mississippi County flooded recently?
- The most recent flood loss with an insurance claim on file was on 2026-05-01, in FEMA data through 2026-09-08. Claims were filed in 3 of the 10 years to 2026 (3 claims).
- Has Mississippi County had a FEMA disaster declaration?
- Yes — Mississippi County has been named a designated area in 25 federal disaster declarations since 1973. The most recent is Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (DR-4872-MO, declared 2025-05-21), which opened Individual Assistance here. Since 2024 there have been 1. See the full list with dates and aid programs →
- What flood zone is Mississippi County in?
- No single zone covers a whole county. Across 169 Mississippi County claims with a zone on file, the most common was Zone AE (59%), and 93% 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 29133, 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.