ZipFactbookHome › Flood claims › Missouri › New Madrid County
New Madrid County, MO flood insurance claims history
202 claims under the National Flood Insurance Program on file for flood losses in New Madrid County since 1979, with $3.0M paid. The worst year was 2011 with 46 claims. New Madrid County ranks #31 of 107 in Missouri by claim count.
What the New Madrid County record shows
- 21% of claims with a zone on file came from outside FEMA's high-risk zones.
- 22% of all claims trace to one event, Mid-spring storms (2011), which paid $368K here.
- Per claim, the costliest named event was Central U.S. April Flooding (2025), averaging $33K across 10 claims.
- 2011 alone produced 23% of the claims on file.
- 2016–2025 brought 19 claims, 85% fewer than 2006–2015 (130). Counts also move with how many buildings held a policy.
- 24% of claims closed without a payment, against 15% statewide.
- ZIP codes 63862, 63869 and 63868 hold 71% of claims, out of 12 ZIP codes with any.
- March through May accounts for 71% of losses.
- Scott County has the most claims among its neighbors (484, against 202 here).
NFIP claims
202
1979–2026
Total paid
$3.0M
nominal dollars, not inflation-adjusted
Claims paid
76%
153 received a payment
Average payout
$20K
per paid claim
Last 10 years
19
claims 2017 – 2026
Most recent loss
2026-03-04
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: 46 claims in 2011
Biggest flood events in New Madrid County
| Flood event (FEMA name) | Claims | Paid | Avg / claim | Year |
|---|---|---|---|---|
| Mid-spring storms | 45 | $368K | $8K | 2011 |
| Mid-spring storms | 24 | $738K | $31K | 2014 |
| Central U.S. April Flooding | 10 | $334K | $33K | 2025 |
| Flooding (FEMA general label) | 6 | $29K | $5K | 1986 |
| Early winter storms | 2 | $6K | $3K | 2015 |
| Late spring severe storms | 1 | $0 | $0 | 2017 |
| March storm | 1 | $1K | $1K | 2008 |
44% of claims here fall under these 7 entries.How to read these labels.
Federal disaster declarations for New Madrid County
New Madrid County has been a designated area in 28 declarations since 1973, 25 of them for flooding, storms or hurricanes. Since 2024 it has been included in 3: 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 |
|---|---|---|---|---|---|
| 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 |
| 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 | Individual Assistance, 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 |
| 2020-07-09 | DR-4552-MO major disaster | Severe Storm | Severe Storms, Tornadoes, Straight-Line Winds, and Flooding | 2020-05-03 → 2020-05-04 | 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 |
| 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 |
| 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 |
| 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 |
| 1995-06-02 | DR-1054-MO major disaster | Severe Storm | Severe Storms, Tornadoes, Hail, Flooding | 1995-05-13 → 1995-06-23 | Individual 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 New Madrid County itself are listed. 10 of these 28 opened Individual Assistance here. What a declaration does and does not pay for.
Flood zones in New Madrid County: which ones the claims came from
High-risk A zones: 143 (71%)Coastal high-risk V zones: 0 (0%)Moderate / low-risk zones (B, C, X): 38 (19%)Zone not recorded: 21 (10%)
The most common zone on New Madrid County claims is Zone AH — 70 of 181 claims with a zone on file (39%). 79% were in a high-risk Special Flood Hazard Area.
| Flood zone at rating | Claims | Share | Paid | Avg / claim |
|---|---|---|---|---|
| Zone AH (filed as AH, AHB) · high risk, insurance required | 70 | 39% | $684K | $10K |
| Zone AO (filed as AO, AOB) · high risk, insurance required | 67 | 37% | $1.3M | $20K |
| Zone C · moderate / low risk | 17 | 9% | $533K | $31K |
| Zone X · moderate / low risk | 11 | 6% | $295K | $27K |
| Zone B · moderate / low risk | 10 | 6% | $103K | $10K |
| Zone A · high risk, insurance required | 6 | 3% | $31K | $5K |
21 New Madrid 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 |
|---|---|---|
| Accumulation of rainfall or snowmelt | 128 | 63% |
| Stream, river or lake overflow | 42 | 21% |
| Tidal water overflow (storm surge) | 22 | 11% |
| Other causes | 6 | 3% |
| Not recorded | 4 | 2% |
Flood claims by ZIP code in New Madrid County
12 ZIP codes with at least one claim FEMA assigned to New Madrid County.
| 63862 | 72 | $1.9M | 36% | 8 | 2025 |
| 63869 | 59 | $388K | 29% | 13 | 2020 |
| 63868 | 13 | $119K | 6% | 2 | 2026 |
| 63801 | 11 | $36K | 5% | 5 | 2011 |
| 63873 | 11 | $164K | 5% | 8 | 2025 |
| 63828 | 11 | $122K | 5% | 2 | 2025 |
| 63867 | 8 | $57K | 4% | 2 | 2021 |
| 63848 | 7 | $134K | 3% | 5 | 2025 |
| 63870 | 4 | $51K | 2% | 3 | 2025 |
| 63874 | 3 | $18K | 1% | 3 | 2014 |
| 63866 | 2 | $25K | 1% | 2 | 2025 |
| 65024 | 1 | $1K | 0% | 1 | 2011 |
When does New Madrid County flood?
April accounts for the most flood losses (93 claims, 46%). Claims by month of loss:
| Month | Claims | Share |
|---|---|---|
| January | 0 | 0% |
| February | 3 | 1% |
| March | 6 | 3% |
| April | 93 | 46% |
| May | 45 | 22% |
| June | 2 | 1% |
| July | 0 | 0% |
| August | 3 | 1% |
| September | 40 | 20% |
| October | 3 | 1% |
| November | 0 | 0% |
| December | 7 | 3% |
Year-by-year detail
| Year of loss | Claims | Paid |
|---|---|---|
| 2026 | 1 | $0 |
| 2025 | 12 | $395K |
| 2022 | 1 | $0 |
| 2021 | 2 | $0 |
| 2020 | 1 | $0 |
| 2019 | 1 | $0 |
| 2017 | 1 | $0 |
| 2016 | 1 | $507 |
| 2015 | 2 | $6K |
| 2014 | 37 | $1.1M |
| 2013 | 3 | $52K |
| 2011 | 46 | $369K |
| 2008 | 2 | $1K |
| 2006 | 40 | $940K |
| 2002 | 2 | $0 |
| 2001 | 3 | $15K |
| 1998 | 2 | $3K |
| 1986 | 15 | $73K |
| 1985 | 1 | $0 |
| 1984 | 1 | $0 |
| 1983 | 1 | $0 |
| 1982 | 1 | $0 |
| 1981 | 1 | $0 |
| 1980 | 2 | $0 |
| 1979 | 23 | $18K |
Neighboring counties
| Neighbor | Claims | Paid | Outside high-risk |
|---|---|---|---|
| New Madrid County (this page) | 202 | $3.0M | 21% |
| Scott County | 484 | $4.4M | 11% |
| Mississippi County | 212 | $4.4M | 7% |
| Pemiscot County | 127 | $746K | 9% |
| Stoddard County | 102 | $1.1M | 16% |
| Dunklin County | 58 | $399K | 25% |
All 107 Missouri counties → · County and ZIP rankings →
Common questions about flooding in New Madrid County
- Has New Madrid County flooded recently?
- The most recent flood loss with an insurance claim on file was on 2026-03-04, in FEMA data through 2026-09-08. Claims were filed in 7 of the 10 years to 2026 (19 claims).
- Has New Madrid County had a FEMA disaster declaration?
- Yes — New Madrid County has been named a designated area in 28 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 3. See the full list with dates and aid programs →
- What flood zone is New Madrid County in?
- No single zone covers a whole county. Across 181 New Madrid County claims with a zone on file, the most common was Zone AH (39%), and 79% 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 29143, 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.