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Perry County, MO flood insurance claims history
259 claims under the National Flood Insurance Program on file for flood losses in Perry County since 1979, with $5.0M paid. The worst year was 1993 with 234 claims. Perry County ranks #26 of 107 in Missouri by claim count.
What the Perry 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.
- 83% of all claims trace to one event, Midwest Flooding (1993), which paid $4.7M here.
- 1993 alone produced 90% of the claims on file.
- ZIP codes 63775, 63776 and 63765 hold 93% of claims, out of 9 ZIP codes with any.
- July through September accounts for 90% of losses.
- Ste. Genevieve County has the most claims among its neighbors (1,160, against 259 here).
NFIP claims
259
1979–2026
Total paid
$5.0M
nominal dollars, not inflation-adjusted
Claims paid
91%
235 received a payment
Average payout
$21K
per paid claim
Last 10 years
7
claims 2017 – 2026
Most recent loss
2026-07-10
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: 234 claims in 1993
Biggest flood events in Perry County
| Flood event (FEMA name) | Claims | Paid | Avg / claim | Year |
|---|---|---|---|---|
| Midwest Flooding | 215 | $4.7M | $22K | 1993 |
| Early winter storms | 6 | $34K | $6K | 2015 |
| Late spring severe storms | 4 | $43K | $11K | 2017 |
| March storm | 2 | $28K | $14K | 2008 |
| Mid-spring storms | 1 | $0 | $0 | 2011 |
| Not a named storm | 1 | $12K | $12K | 1982 |
| Flooding (FEMA general label) | 1 | $0 | $0 | 1982 |
| Flooding (FEMA general label) | 1 | $3K | $3K | 1986 |
89% of claims here fall under these 8 entries.How to read these labels.
Federal disaster declarations for Perry County
Perry County has been a designated area in 29 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 Wildfires (DR-4867-MO, 2025).
| Declared | FEMA number | Incident | Declared for | Dates of the incident | Aid unlocked here |
|---|---|---|---|---|---|
| 2025-05-21 | DR-4867-MO major disaster | Severe Storm | Severe Storms, Straight-Line Winds, Tornadoes, and Wildfires | 2025-03-14 → 2025-03-15 | 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 |
| 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 |
| 2011-05-09 | DR-1980-MO major disaster | Severe Storm | Severe Storms, Tornadoes, and Flooding | 2011-04-19 → 2011-06-06 | Public Assistance, Hazard Mitigation |
| 2011-02-03 | EM-3317-MO emergency | Severe Storm | Severe Winter Storm | 2011-01-31 → 2011-02-05 | Public Assistance |
| 2010-08-17 | DR-1934-MO major disaster | Severe Storm | Severe Storms, Flooding, and Tornadoes | 2010-06-12 → 2010-07-31 | Public Assistance, Hazard Mitigation |
| 2009-06-19 | DR-1847-MO major disaster | Severe Storm | Severe Storms, Tornadoes, and Flooding | 2009-05-08 → 2009-05-16 | 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, 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, 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 |
| 1993-12-01 | DR-1006-MO major disaster | Severe Storm | Severe Storms, Tornadoes, and Flooding | 1993-11-13 → 1993-11-19 | 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 |
| 1982-12-10 | DR-672-MO major disaster | Flood | Severe Storms and Flooding | 1982-12-10 | Individual 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 Perry County itself are listed. 10 of these 29 opened Individual Assistance here. What a declaration does and does not pay for.
Flood zones in Perry County: which ones the claims came from
High-risk A zones: 249 (96%)Coastal high-risk V zones: 0 (0%)Moderate / low-risk zones (B, C, X): 8 (3%)Zone not recorded: 2 (1%)
The most common zone on Perry County claims is Zone AE — 234 of 257 claims with a zone on file (91%). 97% were in a high-risk Special Flood Hazard Area.
| Flood zone at rating | Claims | Share | Paid | Avg / claim |
|---|---|---|---|---|
| Zone AE · high risk, insurance required | 234 | 91% | $4.5M | $19K |
| Zone A · high risk, insurance required | 11 | 4% | $257K | $23K |
| Zone X · moderate / low risk | 7 | 3% | $144K | $21K |
| Zone A1–A30 · high risk, insurance required | 4 | 2% | $33K | $8K |
| Zone C · moderate / low risk | 1 | 0% | $20K | $20K |
2 Perry 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 | 153 | 59% |
| Stream, river or lake overflow | 91 | 35% |
| Other causes | 10 | 4% |
| Tidal water overflow (storm surge) | 5 | 2% |
Flood claims by ZIP code in Perry County
10 ZIP codes with at least one claim FEMA assigned to Perry County.
| 63775 | 219 | $4.1M | 85% | 7 | 2026 |
| 63776 | 13 | $427K | 5% | 1 | 1993 |
| 63765 | 8 | $87K | 3% | 1 | 1993 |
| 63770 | 5 | $82K | 2% | 4 | 2017 |
| 63673 | 4 | $83K | 2% | 4 | 1993 |
| Not reported | 4 | $69K | 2% | 1 | 1993 |
| 63748 | 2 | $31K | 1% | 2 | 2019 |
| 63732 | 2 | $3K | 1% | 2 | 1986 |
| 63462 | 1 | $10K | 0% | 1 | 1993 |
| 63755 | 1 | $32K | 0% | 1 | 1993 |
When does Perry County flood?
July accounts for the most flood losses (217 claims, 84%). Claims by month of loss:
| Month | Claims | Share |
|---|---|---|
| January | 0 | 0% |
| February | 0 | 0% |
| March | 2 | 1% |
| April | 5 | 2% |
| May | 5 | 2% |
| June | 1 | 0% |
| July | 217 | 84% |
| August | 1 | 0% |
| September | 16 | 6% |
| October | 0 | 0% |
| November | 4 | 2% |
| December | 8 | 3% |
Year-by-year detail
| Year of loss | Claims | Paid |
|---|---|---|
| 2026 | 1 | $0 |
| 2023 | 1 | $113K |
| 2019 | 1 | $1K |
| 2017 | 4 | $43K |
| 2015 | 7 | $49K |
| 2011 | 1 | $0 |
| 2008 | 2 | $28K |
| 2005 | 1 | $0 |
| 2002 | 1 | $12K |
| 1993 | 234 | $4.7M |
| 1986 | 1 | $3K |
| 1983 | 1 | $3K |
| 1982 | 2 | $12K |
| 1979 | 2 | $17K |
Neighboring counties
| Neighbor | Claims | Paid | Outside high-risk |
|---|---|---|---|
| Perry County (this page) | 259 | $5.0M | 3% |
| Ste. Genevieve County | 1,160 | $7.0M | 3% |
| Cape Girardeau County | 1,074 | $11.2M | 13% |
| Randolph County, IL | 182 | $2.7M | 9% |
| Madison County | 155 | $2.6M | 38% |
| Jackson County, IL | 118 | $2.1M | 26% |
| Bollinger County | 116 | $2.3M | 18% |
| Union County, IL | 109 | $443K | 1% |
| St. Francois County | 94 | $2.8M | 14% |
All 107 Missouri counties → · County and ZIP rankings →
Common questions about flooding in Perry County
- Has Perry County flooded recently?
- The most recent flood loss with an insurance claim on file was on 2026-07-10, in FEMA data through 2026-09-08. Claims were filed in 4 of the 10 years to 2026 (7 claims).
- Has Perry County had a FEMA disaster declaration?
- Yes — Perry County has been named a designated area in 29 federal disaster declarations since 1973. The most recent is Severe Storms, Straight-Line Winds, Tornadoes, and Wildfires (DR-4867-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 Perry County in?
- No single zone covers a whole county. Across 257 Perry County claims with a zone on file, the most common was Zone AE (91%), 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 29157, 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.