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Osage County, MO flood insurance claims history
180 claims under the National Flood Insurance Program on file for flood losses in Osage County since 1978, with $3.4M paid. The worst year was 1993 with 47 claims. Osage County ranks #34 of 107 in Missouri by claim count.
What the Osage County record shows
- 20% of claims with a zone on file came from outside FEMA's high-risk zones.
- 22% of all claims trace to one event, Midwest Flooding (1993), which paid $687K here.
- Per claim, the costliest named event was Late spring severe storms (2017), averaging $42K across 17 claims.
- 1993 alone produced 26% of the claims on file.
- 2016–2025 brought 25 claims, 55% fewer than 2006–2015 (55). Counts also move with how many buildings held a policy.
- ZIP codes 65024, 65051 and 65016 hold 76% of claims, out of 12 ZIP codes with any.
- May through July accounts for 59% of losses.
- Gasconade County has the most claims among its neighbors (445, against 180 here).
NFIP claims
180
1978–2025
Total paid
$3.4M
nominal dollars, not inflation-adjusted
Claims paid
88%
159 received a payment
Average payout
$21K
per paid claim
Last 10 years
25
claims 2017 – 2026
Most recent loss
2025-04-23
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: 47 claims in 1993
Biggest flood events in Osage County
| Flood event (FEMA name) | Claims | Paid | Avg / claim | Year |
|---|---|---|---|---|
| Midwest Flooding | 39 | $687K | $18K | 1993 |
| Flooding (FEMA general label) | 29 | $183K | $6K | 1995 |
| Late spring severe storms | 17 | $722K | $42K | 2017 |
| Early winter storms | 14 | $344K | $25K | 2015 |
| March storm | 13 | $532K | $41K | 2008 |
| Flooding (FEMA general label) | 7 | $58K | $8K | 1986 |
| Flooding (FEMA general label) | 4 | $9K | $2K | 1990 |
| Flooding (FEMA general label) | 4 | $2K | $401 | 1994 |
| Mid-spring storms | 3 | $25K | $8K | 2011 |
| Hurricane Ike | 2 | $8K | $4K | 2008 |
| Not a named storm | 1 | $945 | $945 | 1982 |
| Flooding (FEMA general label) | 1 | $3K | $3K | 1985 |
74% of claims here fall under these 12 entries.How to read these labels.
Federal disaster declarations for Osage County
Osage County has been a designated area in 30 declarations since 1973, 27 of them for flooding, storms or hurricanes. Since 2024 it has been included in 1: Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (DR-4929-MO, 2026).
| Declared | FEMA number | Incident | Declared for | Dates of the incident | Aid unlocked here |
|---|---|---|---|---|---|
| 2026-08-03 | DR-4929-MO major disaster | Severe Storm | Severe Storms, Straight-Line Winds, Tornadoes, and Flooding | 2026-06-04 → 2026-06-18 | Public Assistance |
| 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, 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, 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 |
| 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 |
| 2009-06-19 | DR-1847-MO major disaster | Severe Storm | Severe Storms, Tornadoes, and Flooding | 2009-05-08 → 2009-05-16 | 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 | Individual 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 |
| 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 |
| 2007-06-11 | DR-1708-MO major disaster | Severe Storm | Severe Storms and Flooding | 2007-05-05 → 2007-05-18 | Individual Assistance, Hazard Mitigation |
| 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, Public Assistance, Hazard Mitigation |
| 2002-05-06 | DR-1412-MO major disaster | Severe Storm | Severe Storms, Tornadoes and Flooding | 2002-04-24 → 2002-06-10 | Public Assistance |
| 1999-04-20 | DR-1270-MO major disaster | Severe Storm | Severe Storms and Flooding | 1999-04-03 → 1999-04-14 | 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 |
| 1986-10-14 | DR-779-MO major disaster | Flood | Severe Storms & Flooding | 1986-09-18 → 1986-10-15 | Individual 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 Osage County itself are listed. 13 of these 30 opened Individual Assistance here. What a declaration does and does not pay for.
Flood zones in Osage County: which ones the claims came from
High-risk A zones: 138 (77%)Coastal high-risk V zones: 0 (0%)Moderate / low-risk zones (B, C, X): 34 (19%)Zone not recorded: 8 (4%)
The most common zone on Osage County claims is Zone A — 68 of 172 claims with a zone on file (40%). 80% were in a high-risk Special Flood Hazard Area.
| Flood zone at rating | Claims | Share | Paid | Avg / claim |
|---|---|---|---|---|
| Zone A · high risk, insurance required | 68 | 40% | $1.8M | $27K |
| Zone AE · high risk, insurance required | 36 | 21% | $268K | $7K |
| Zone A1–A30 · high risk, insurance required | 34 | 20% | $416K | $12K |
| Zone X · moderate / low risk | 21 | 12% | $737K | $35K |
| Zone B · moderate / low risk | 8 | 5% | $23K | $3K |
| Zone C · moderate / low risk | 5 | 3% | $23K | $5K |
8 Osage 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 | 126 | 70% |
| Accumulation of rainfall or snowmelt | 39 | 22% |
| Other causes | 7 | 4% |
| Tidal water overflow (storm surge) | 6 | 3% |
| Not recorded | 2 | 1% |
Flood claims by ZIP code in Osage County
13 ZIP codes with at least one claim FEMA assigned to Osage County.
| 65024 | 74 | $671K | 41% | 15 | 2025 |
| 65051 | 39 | $1.4M | 22% | 8 | 2017 |
| 65016 | 24 | $171K | 13% | 8 | 2019 |
| 65014 | 11 | $513K | 6% | 4 | 2017 |
| 65085 | 9 | $59K | 5% | 9 | 2022 |
| 65013 | 8 | $203K | 4% | 6 | 2017 |
| 65054 | 6 | $167K | 3% | 5 | 2015 |
| 65022 | 3 | $72K | 2% | 3 | 1995 |
| Not reported | 2 | $5K | 1% | 2 | 1990 |
| 65401 | 1 | $20K | 1% | 1 | 1993 |
| 65101 | 1 | $9K | 1% | 1 | 2015 |
| 65035 | 1 | $62K | 1% | 1 | 2017 |
| 65076 | 1 | $22K | 1% | 1 | 2015 |
When does Osage County flood?
May accounts for the most flood losses (51 claims, 28%). Claims by month of loss:
| Month | Claims | Share |
|---|---|---|
| January | 1 | 1% |
| February | 1 | 1% |
| March | 13 | 7% |
| April | 14 | 8% |
| May | 51 | 28% |
| June | 14 | 8% |
| July | 41 | 23% |
| August | 15 | 8% |
| September | 8 | 4% |
| October | 7 | 4% |
| November | 0 | 0% |
| December | 15 | 8% |
Year-by-year detail
| Year of loss | Claims | Paid |
|---|---|---|
| 2025 | 1 | $0 |
| 2022 | 1 | $10K |
| 2019 | 6 | $63K |
| 2017 | 17 | $722K |
| 2015 | 15 | $366K |
| 2014 | 2 | $4K |
| 2013 | 18 | $611K |
| 2011 | 4 | $31K |
| 2008 | 16 | $542K |
| 2005 | 1 | $10K |
| 2001 | 1 | $929 |
| 1998 | 1 | $438 |
| 1996 | 1 | $231 |
| 1995 | 29 | $183K |
| 1994 | 5 | $2K |
| 1993 | 47 | $764K |
| 1990 | 4 | $9K |
| 1986 | 7 | $58K |
| 1985 | 1 | $3K |
| 1982 | 1 | $945 |
| 1979 | 1 | $0 |
| 1978 | 1 | $0 |
Neighboring counties
| Neighbor | Claims | Paid | Outside high-risk |
|---|---|---|---|
| Osage County (this page) | 180 | $3.4M | 20% |
| Gasconade County | 445 | $8.1M | 10% |
| Cole County | 416 | $7.6M | 15% |
| Callaway County | 316 | $4.5M | 5% |
| Montgomery County | 126 | $1.3M | 3% |
| Maries County | 101 | $3.0M | 9% |
| Miller County | 28 | $553K | 76% |
All 107 Missouri counties → · County and ZIP rankings →
Common questions about flooding in Osage County
- Has Osage County flooded recently?
- The most recent flood loss with an insurance claim on file was on 2025-04-23, in FEMA data through 2026-09-08. Claims were filed in 4 of the 10 years to 2026 (25 claims).
- Has Osage County had a FEMA disaster declaration?
- Yes — Osage County has been named a designated area in 30 federal disaster declarations since 1973. The most recent is Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (DR-4929-MO, declared 2026-08-03). Since 2024 there have been 1. See the full list with dates and aid programs →
- What flood zone is Osage County in?
- No single zone covers a whole county. Across 172 Osage County claims with a zone on file, the most common was Zone A (40%), and 80% 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 29151, 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.