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Pulaski County, MO flood insurance claims history

267 claims under the National Flood Insurance Program on file for flood losses in Pulaski County since 1978, with $7.0M paid. The worst year was 2013 with 72 claims. Pulaski County ranks #25 of 107 in Missouri by claim count.

What the Pulaski County record shows

23% of claims with a zone on file came from outside FEMA's high-risk zones.
15% of all claims trace to one event, Late spring severe storms (2017), which paid $2.5M here.
2013 alone produced 27% of the claims on file.
2016–2025 brought 54 claims, 64% fewer than 2006–2015 (150). Counts also move with how many buildings held a policy.
The average paid claim is $33K, above the Missouri average of $23K (nominal dollars).
ZIP codes 65583, 65461 and 65459 hold 71% of claims, out of 11 ZIP codes with any.
Phelps County has the most claims among its neighbors (305, against 267 here).

NFIP claims

267

1978–2024

Total paid

$7.0M

nominal dollars, not inflation-adjusted

Claims paid

81%

215 received a payment

Average payout

$33K

per paid claim

Last 10 years

claims 2017 – 2026

Most recent loss

2024-11-07

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: 72 claims in 2013

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'95

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Biggest flood events in Pulaski County

Flood event (FEMA name)	Claims	Paid	Avg / claim	Year
Late spring severe storms	40	$2.5M	$62K	2017
Early winter storms	30	$584K	$19K	2015
March storm	30	$970K	$32K	2008
Flooding (FEMA general label)	6	$35K	$6K	1985
Not a named storm	4	$56K	$14K	1982
Mid-spring storms	2	$38K	$19K	2011
Flooding (FEMA general label)	1	$0	$0	1994
Hurricane Ike	1	$0	$0	2008

43% of claims here fall under these 8 entries.How to read these labels.

Federal disaster declarations for Pulaski County

Pulaski County has been a designated area in 25 declarations since 1973, 21 of them for flooding, storms or hurricanes. Since 2024 it has been included in 1: Severe Storms, Tornadoes, Straight-Line Winds, and Flooding (DR-4855-MO, 2025).

Declared	FEMA number	Incident	Declared for	Dates of the incident	Aid unlocked here
2025-01-01	DR-4855-MO major disaster	Severe Storm	Severe Storms, Tornadoes, Straight-Line Winds, and Flooding	2024-11-03 → 2024-11-09	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	Individual Assistance, 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	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, 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
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
2011-05-09	DR-1980-MO major disaster	Severe Storm	Severe Storms, Tornadoes, and Flooding	2011-04-19 → 2011-06-06	Individual Assistance, Hazard Mitigation
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	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
2008-03-19	DR-1749-MO major disaster	Severe Storm	Severe Storms and Flooding	2008-03-17 → 2008-05-09	Individual Assistance, Public Assistance, Hazard Mitigation
2007-12-12	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
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
1994-04-21	DR-1023-MO major disaster	Severe Storm	Severe Storms, Tornadoes, Flooding	1994-04-09 → 1994-05-05	Individual Assistance
1993-12-01	DR-1006-MO major disaster	Severe Storm	Severe Storms, Tornadoes, and Flooding	1993-11-13 → 1993-11-19	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
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 Pulaski County itself are listed. 12 of these 25 opened Individual Assistance here. What a declaration does and does not pay for.

Flood zones in Pulaski County: which ones the claims came from

High-risk A zones: 203 (76%)Coastal high-risk V zones: 0 (0%)Moderate / low-risk zones (B, C, X): 60 (22%)Zone not recorded: 4 (1%)

The most common zone on Pulaski County claims is Zone A — 92 of 263 claims with a zone on file (35%). 77% were in a high-risk Special Flood Hazard Area.

Flood zone at rating	Claims	Share	Paid	Avg / claim
Zone A · high risk, insurance required	92	35%	$3.4M	$36K
Zone AE · high risk, insurance required	78	30%	$2.4M	$30K
Zone X · moderate / low risk	47	18%	$629K	$13K
Zone A1–A30 · high risk, insurance required	33	13%	$348K	$11K
Zone C · moderate / low risk	12	5%	$126K	$11K
Zone B · moderate / low risk	1	0%	$140K	$140K

4 Pulaski 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	163	61%
Accumulation of rainfall or snowmelt	65	24%
Other causes	21	8%
Tidal water overflow (storm surge)	12	4%
Not recorded	6	2%

Flood claims by ZIP code in Pulaski County

11 ZIP codes with at least one claim FEMA assigned to Pulaski County.


65583	136	$2.3M	51%	23	2024
65461	30	$173K	11%	5	2015
65459	23	$528K	9%	7	2017
65584	19	$678K	7%	8	2024
65556	18	$743K	7%	5	2024
65550	17	$892K	6%	7	2024
65457	14	$1.2M	5%	7	2024
65529	4	$51K	1%	4	2017
65452	3	$451K	1%	1	2017
65534	2	$0	1%	2	2017
65473	1	$237	0%	1	1978

When does Pulaski County flood?

August accounts for the most flood losses (74 claims, 28%). Claims by month of loss:

Month	Claims	Share
January	5	2%
February	8	3%
March	31	12%
April	40	15%
May	15	6%
June	21	8%
July	6	2%
August	74	28%
September	16	6%
October	3	1%
November	13	5%
December	35	13%

Year-by-year detail

Year of loss	Claims	Paid
2024	8	$494K
2023	1	$0
2022	1	$0
2021	1	$0
2019	2	$0
2018	1	$0
2017	40	$2.5M
2015	35	$619K
2013	72	$1.9M
2011	2	$38K
2010	1	$0
2009	5	$7K
2008	34	$986K
2007	1	$5K
2005	4	$35K
2004	1	$2K
2002	4	$6K
1995	1	$0
1994	1	$0
1993	17	$291K
1991	11	$28K
1990	7	$28K
1985	6	$35K
1984	1	$0
1983	3	$16K
1982	4	$56K
1979	2	$376
1978	1	$237

Neighboring counties

Neighbor	Claims	Paid	Outside high-risk
Pulaski County (this page)	267	$7.0M	23%
Phelps County	305	$11.6M	27%
Maries County	101	$3.0M	9%
Camden County	92	$1.7M	49%
Miller County	28	$553K	76%
Laclede County	26	$654K	48%
Texas County	15	$310K	50%

All 107 Missouri counties → · County and ZIP rankings →

Common questions about flooding in Pulaski County

Has Pulaski County flooded recently?: The most recent flood loss with an insurance claim on file was on 2024-11-07, in FEMA data through 2026-09-08. Claims were filed in 7 of the 10 years to 2026 (54 claims).
Has Pulaski County had a FEMA disaster declaration?: Yes — Pulaski County has been named a designated area in 25 federal disaster declarations since 1973. The most recent is Severe Storms, Tornadoes, Straight-Line Winds, and Flooding (DR-4855-MO, declared 2025-01-01). Since 2024 there have been 1. See the full list with dates and aid programs →
What flood zone is Pulaski County in?: No single zone covers a whole county. Across 263 Pulaski County claims with a zone on file, the most common was Zone A (35%), and 77% 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 29169, 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.