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Ralls County, MO flood insurance claims history
51 claims under the National Flood Insurance Program on file for flood losses in Ralls County since 1979, with $929K paid. The worst year was 2008 with 9 claims. Ralls County ranks #63 of 107 in Missouri by claim count.
What the Ralls County record shows
- 43% of claims with a zone on file came from outside FEMA's high-risk zones, well above the 14% across Missouri.
- Claims came in just 2 of the 10 years to 2026.
- 2016–2025 brought 7 claims, 77% fewer than 2006–2015 (31). Counts also move with how many buildings held a policy.
- ZIP 63401 alone holds 65% of claims.
- May through July accounts for 82% of losses.
- Pike County has the most claims among its neighbors (938, against 51 here).
NFIP claims
51
1979–2019
Total paid
$929K
nominal dollars, not inflation-adjusted
Claims paid
80%
41 received a payment
Average payout
$23K
per paid claim
Last 10 years
7
claims 2017 – 2026
Most recent loss
2019-06-04
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.
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Flood claims by year
Peak: 9 claims in 2008
Biggest flood events in Ralls County
| Flood event (FEMA name) | Claims | Paid | Avg / claim | Year |
|---|---|---|---|---|
| Midwest Flooding | 3 | $50K | $17K | 1993 |
6% of claims here fall under these 1 entries.How to read these labels.
Federal disaster declarations for Ralls County
Ralls 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-4612-MO (2021-09-01).
| Declared | FEMA number | Incident | Declared for | Dates of the incident | Aid unlocked here |
|---|---|---|---|---|---|
| 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 |
| 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 |
| 2016-01-02 | 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 |
| 2014-10-31 | DR-4200-MO major disaster | Severe Storm | Severe Storms, Tornadoes, Straight-Line Winds, and Flooding | 2014-09-09 → 2014-09-10 | 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 |
| 2011-03-23 | 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 |
| 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 |
| 2009-01-30 | 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 | 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 |
| 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 | Public Assistance |
| 2002-02-06 | DR-1403-MO major disaster | Severe Ice Storm | Severe Winter Ice Storm | 2002-01-29 → 2002-02-13 | Individual Assistance, Hazard Mitigation |
| 1993-07-09 | DR-995-MO major disaster | Flood | Severe Storms & Flooding | 1993-06-10 → 1993-10-25 | Individual Assistance, Public Assistance |
| 1993-05-11 | DR-989-MO major disaster | Flood | Severe Storms & Flooding | 1993-04-15 → 1993-05-29 | Individual Assistance |
| 1986-10-14 | DR-779-MO major disaster | Flood | Severe Storms & Flooding | 1986-09-18 → 1986-10-15 | Public Assistance |
| 1976-09-24 | EM-3017-MO emergency | Drought | Drought | 1976-09-24 | Public Assistance |
| 1974-06-10 | DR-439-MO major disaster | Flood | Severe Storms & Flooding | 1974-06-10 | 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 Ralls County itself are listed. 8 of these 26 opened Individual Assistance here. What a declaration does and does not pay for.
Flood zones in Ralls County: which ones the claims came from
High-risk A zones: 26 (51%)Coastal high-risk V zones: 0 (0%)Moderate / low-risk zones (B, C, X): 20 (39%)Zone not recorded: 5 (10%)
The most common zone on Ralls County claims is Zone A — 10 of 46 claims with a zone on file (22%). 57% were in a high-risk Special Flood Hazard Area.
| Flood zone at rating | Claims | Share | Paid | Avg / claim |
|---|---|---|---|---|
| Zone A · high risk, insurance required | 10 | 22% | $62K | $6K |
| Zone X · moderate / low risk | 10 | 22% | $233K | $23K |
| Zone C · moderate / low risk | 10 | 22% | $106K | $11K |
| Zone AE · high risk, insurance required | 8 | 17% | $325K | $41K |
| Zone A1–A30 · high risk, insurance required | 8 | 17% | $171K | $21K |
5 Ralls 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 | 30 | 59% |
| Accumulation of rainfall or snowmelt | 13 | 25% |
| Tidal water overflow (storm surge) | 4 | 8% |
| Other causes | 3 | 6% |
| Not recorded | 1 | 2% |
Flood claims by ZIP code in Ralls County
2 ZIP codes with at least one claim FEMA assigned to Ralls County.
When does Ralls County flood?
July accounts for the most flood losses (19 claims, 37%). Claims by month of loss:
| Month | Claims | Share |
|---|---|---|
| January | 0 | 0% |
| February | 1 | 2% |
| March | 0 | 0% |
| April | 5 | 10% |
| May | 7 | 14% |
| June | 16 | 31% |
| July | 19 | 37% |
| August | 2 | 4% |
| September | 0 | 0% |
| October | 1 | 2% |
| November | 0 | 0% |
| December | 0 | 0% |
Year-by-year detail
| Year of loss | Claims | Paid |
|---|---|---|
| 2019 | 6 | $246K |
| 2018 | 1 | $0 |
| 2015 | 2 | $0 |
| 2014 | 7 | $20K |
| 2013 | 3 | $23K |
| 2011 | 1 | $3K |
| 2010 | 9 | $359K |
| 2008 | 9 | $152K |
| 2004 | 1 | $6K |
| 2001 | 4 | $36K |
| 1993 | 3 | $50K |
| 1981 | 4 | $32K |
| 1979 | 1 | $2K |
Neighboring counties
| Neighbor | Claims | Paid | Outside high-risk |
|---|---|---|---|
| Ralls County (this page) | 51 | $929K | 43% |
| Pike County | 938 | $10.5M | 6% |
| Marion County | 535 | $11.2M | 22% |
| Pike County, IL | 335 | $7.2M | 12% |
| Audrain County | 60 | $656K | 23% |
| Monroe County | 12 | $199K | 0% |
All 107 Missouri counties → · County and ZIP rankings →
Common questions about flooding in Ralls County
- Has Ralls County flooded recently?
- The most recent flood loss with an insurance claim on file was on 2019-06-04, in FEMA data through 2026-09-08. Claims were filed in 2 of the 10 years to 2026 (7 claims).
- Has Ralls County had a FEMA disaster declaration?
- Yes — Ralls County has been named a designated area in 26 federal disaster declarations since 1973. The most recent is Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (DR-4612-MO, declared 2021-09-01). There have been none since 2024. See the full list with dates and aid programs →
- What flood zone is Ralls County in?
- No single zone covers a whole county. Across 46 Ralls County claims with a zone on file, the most common was Zone A (22%), and 57% 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 29173, 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.