ZipFactbookHome › Flood claims › Missouri › Montgomery County
Montgomery County, MO flood insurance claims history
126 claims under the National Flood Insurance Program on file for flood losses in Montgomery County since 1980, with $1.3M paid. The worst year was 1993 with 85 claims. Montgomery County ranks #44 of 107 in Missouri by claim count.
What the Montgomery County record shows
- 3% of claims with a zone on file came from outside FEMA's high-risk zones, well below the 14% across Missouri.
- 60% of all claims trace to one event, Midwest Flooding (1993), which paid $884K here.
- 1993 alone produced 67% of the claims on file.
- Claims came in just 1 of the 10 years to 2026.
- The average paid claim is $12K, below the Missouri average of $23K (nominal dollars).
- ZIP codes 65069, 65041 and 63361 hold 97% of claims, out of 6 ZIP codes with any.
- May through July accounts for 85% of losses.
- Lincoln County has the most claims among its neighbors (2,253, against 126 here).
NFIP claims
126
1980–2024
Total paid
$1.3M
nominal dollars, not inflation-adjusted
Claims paid
83%
105 received a payment
Average payout
$12K
per paid claim
Last 10 years
1
claim 2017 – 2026
Most recent loss
2024-07-03
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.
Loading claim records…
Flood claims by year
Peak: 85 claims in 1993
Biggest flood events in Montgomery County
| Flood event (FEMA name) | Claims | Paid | Avg / claim | Year |
|---|---|---|---|---|
| Midwest Flooding | 76 | $884K | $12K | 1993 |
| Flooding (FEMA general label) | 25 | $128K | $5K | 1995 |
| Flooding (FEMA general label) | 4 | $8K | $2K | 1994 |
| Hurricane Ike | 1 | $26K | $26K | 2008 |
| March storm | 1 | $18K | $18K | 2008 |
| Mid-spring storms | 1 | $8K | $8K | 2011 |
86% of claims here fall under these 6 entries.How to read these labels.
Federal disaster declarations for Montgomery County
Montgomery County has been a designated area in 26 declarations since 1973, 23 of them for flooding, storms or hurricanes. None since 2024 — the most recent was DR-4665-MO (2022-08-08).
| Declared | FEMA number | Incident | Declared for | Dates of the incident | Aid unlocked here |
|---|---|---|---|---|---|
| 2022-08-08 | DR-4665-MO major disaster | Flood | Severe Storms and Flooding | 2022-07-25 → 2022-07-28 | Public Assistance, Hazard Mitigation |
| 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 | 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 |
| 2011-06-30 | EM-3325-MO emergency | Flood | Flooding | 2011-06-01 → 2011-08-01 | Public Assistance |
| 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 |
| 2008-11-13 | DR-1809-MO major disaster | Severe Storm | Severe Storms, Flooding, and a Tornado | 2008-09-11 → 2008-09-24 | Individual 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 |
| 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, 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 |
| 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 | Individual Assistance, Public Assistance |
| 1976-09-24 | EM-3017-MO emergency | Drought | Drought | 1976-09-24 | Public Assistance |
| 1973-11-01 | DR-407-MO major disaster | Flood | Severe Storms & Flooding | 1973-11-01 | 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 Montgomery County itself are listed. 9 of these 26 opened Individual Assistance here. What a declaration does and does not pay for.
Flood zones in Montgomery County: which ones the claims came from
High-risk A zones: 121 (96%)Coastal high-risk V zones: 1 (1%)Moderate / low-risk zones (B, C, X): 4 (3%)Zone not recorded: 0 (0%)
The most common zone on Montgomery County claims is Zone A — 114 of 126 claims with a zone on file (90%). 97% were in a high-risk Special Flood Hazard Area.
| Flood zone at rating | Claims | Share | Paid | Avg / claim |
|---|---|---|---|---|
| Zone A · high risk, insurance required | 114 | 90% | $1.0M | $9K |
| Zone AE · high risk, insurance required | 5 | 4% | $43K | $9K |
| Zone A1–A30 · high risk, insurance required | 2 | 2% | $42K | $21K |
| Zone C · moderate / low risk | 2 | 2% | $165K | $83K |
| Zone X · moderate / low risk | 2 | 2% | $3K | $2K |
| Zone V · high risk, insurance required | 1 | 1% | $1K | $1K |
Which zones require flood insurance →
What caused the flooding
| Cause of damage (as coded by FEMA) | Claims | Share |
|---|---|---|
| Stream, river or lake overflow | 103 | 82% |
| Accumulation of rainfall or snowmelt | 21 | 17% |
| Not recorded | 2 | 2% |
Flood claims by ZIP code in Montgomery County
6 ZIP codes with at least one claim FEMA assigned to Montgomery County.
| 65069 | 109 | $969K | 87% | 6 | 2016 |
| 65041 | 9 | $44K | 7% | 6 | 2024 |
| 63361 | 4 | $55K | 3% | 3 | 2008 |
| 63383 | 2 | $165K | 2% | 2 | 2011 |
| 63363 | 1 | $46K | 1% | 1 | 1993 |
| 63333 | 1 | $16K | 1% | 1 | 1993 |
When does Montgomery County flood?
July accounts for the most flood losses (78 claims, 62%). Claims by month of loss:
| Month | Claims | Share |
|---|---|---|
| January | 0 | 0% |
| February | 0 | 0% |
| March | 1 | 1% |
| April | 4 | 3% |
| May | 27 | 21% |
| June | 2 | 2% |
| July | 78 | 62% |
| August | 4 | 3% |
| September | 10 | 8% |
| October | 0 | 0% |
| November | 0 | 0% |
| December | 0 | 0% |
Year-by-year detail
| Year of loss | Claims | Paid |
|---|---|---|
| 2024 | 1 | $0 |
| 2016 | 1 | $12K |
| 2013 | 1 | $7K |
| 2011 | 2 | $75K |
| 2009 | 1 | $98K |
| 2008 | 2 | $44K |
| 2004 | 1 | $0 |
| 2002 | 1 | $719 |
| 2000 | 1 | $4K |
| 1995 | 25 | $128K |
| 1994 | 4 | $8K |
| 1993 | 85 | $919K |
| 1980 | 1 | $1K |
Neighboring counties
| Neighbor | Claims | Paid | Outside high-risk |
|---|---|---|---|
| Montgomery County (this page) | 126 | $1.3M | 3% |
| Lincoln County | 2,253 | $37.1M | 4% |
| Pike County | 938 | $10.5M | 6% |
| Gasconade County | 445 | $8.1M | 10% |
| Callaway County | 316 | $4.5M | 5% |
| Osage County | 180 | $3.4M | 20% |
| Warren County | 102 | $2.3M | 9% |
| Audrain County | 60 | $656K | 23% |
All 107 Missouri counties → · County and ZIP rankings →
Common questions about flooding in Montgomery County
- Has Montgomery County flooded recently?
- The most recent flood loss with an insurance claim on file was on 2024-07-03, in FEMA data through 2026-09-08. Claims were filed in 1 of the 10 years to 2026 (1 claim).
- Has Montgomery County had a FEMA disaster declaration?
- Yes — Montgomery County has been named a designated area in 26 federal disaster declarations since 1973. The most recent is Severe Storms and Flooding (DR-4665-MO, declared 2022-08-08). There have been none since 2024. See the full list with dates and aid programs →
- What flood zone is Montgomery County in?
- No single zone covers a whole county. Across 126 Montgomery County claims with a zone on file, the most common was Zone A (90%), and 97% 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 29139, 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.