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Reynolds County, MO flood insurance claims history
141 claims under the National Flood Insurance Program on file for flood losses in Reynolds County since 1982, with $3.0M paid. The worst year was 2008 with 33 claims. Reynolds County ranks #42 of 107 in Missouri by claim count.
What the Reynolds County record shows
- 13% of claims with a zone on file came from outside FEMA's high-risk zones.
- 21% of all claims trace to one event, March storm (2008), which paid $460K here.
- Per claim, the costliest named event was Late spring severe storms (2017), averaging $62K across 21 claims.
- 2008 alone produced 23% of the claims on file.
- Claims came in just 3 of the 10 years to 2026.
- 2016–2025 brought 23 claims, 53% fewer than 2006–2015 (49). Counts also move with how many buildings held a policy.
- ZIP codes 63638, 63654 and 63633 hold 92% of claims, out of 8 ZIP codes with any.
- March through May accounts for 58% of losses.
- Reynolds County has more claims than any of its 5 neighbors.
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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
Biggest flood events in Reynolds County
| Flood event (FEMA name) | Claims | Paid | Avg / claim | Year |
|---|---|---|---|---|
| March storm | 30 | $460K | $15K | 2008 |
| Late spring severe storms | 21 | $1.3M | $62K | 2017 |
| Not a named storm | 1 | $9K | $9K | 1982 |
| Mid-spring storms | 1 | $1K | $1K | 2011 |
38% of claims here fall under these 4 entries.How to read these labels.
Federal disaster declarations for Reynolds County
Reynolds County has been a designated area in 27 declarations since 1973, 24 of them for flooding, storms or hurricanes. Since 2024 it has been included in 5: Severe Storms, Straight-Line Winds, and Flooding (DR-4939-MO, 2026), 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, Tornadoes, Straight-Line Winds, and Flooding (DR-4855-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 |
|---|---|---|---|---|---|
| 2026-09-01 | DR-4939-MO major disaster | Severe Storm | Severe Storms, Straight-Line Winds, and Flooding | 2026-07-09 → 2026-07-11 | Public Assistance |
| 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 | Individual Assistance, Public Assistance |
| 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 |
| 2024-07-23 | DR-4803-MO major disaster | Severe Storm | Severe Storms, Straight-Line Winds, Tornadoes, and Flooding | 2024-05-19 → 2024-05-27 | Public Assistance, Hazard Mitigation |
| 2022-01-10 | DR-4636-MO major disaster | Severe Storm | Severe Storms, Straight-Line Winds, and Tornadoes | 2021-12-10 | 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 |
| 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 | 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 |
| 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 |
| 2009-06-19 | DR-1847-MO major disaster | Severe Storm | Severe Storms, Tornadoes, and Flooding | 2009-05-08 → 2009-05-16 | Individual Assistance, Public Assistance, Hazard Mitigation |
| 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 |
| 2008-03-19 | DR-1749-MO major disaster | Severe Storm | Severe Storms and Flooding | 2008-03-17 → 2008-05-09 | Individual Assistance, Public Assistance, Hazard Mitigation |
| 2008-03-12 | DR-1748-MO major disaster | Severe Ice Storm | Severe Winter Storms and Flooding | 2008-02-10 → 2008-02-14 | 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 |
| 2006-12-29 | DR-1673-MO major disaster | Severe Storm | Severe Winter Storms | 2006-11-30 → 2006-12-02 | Public 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, Public Assistance, Hazard Mitigation |
| 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, Public 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 Reynolds County itself are listed. 11 of these 27 opened Individual Assistance here. What a declaration does and does not pay for.
Flood zones in Reynolds County: which ones the claims came from
The most common zone on Reynolds County claims is Zone A — 73 of 139 claims with a zone on file (53%). 87% were in a high-risk Special Flood Hazard Area.
| Flood zone at rating | Claims | Share | Paid | Avg / claim |
|---|---|---|---|---|
| Zone A · high risk, insurance required | 73 | 53% | $638K | $9K |
| Zone A1–A30 · high risk, insurance required | 46 | 33% | $1.5M | $33K |
| Zone C · moderate / low risk | 11 | 8% | $459K | $42K |
| Zone B · moderate / low risk | 4 | 3% | $17K | $4K |
| Zone X · moderate / low risk | 3 | 2% | $91K | $30K |
| Zone AE · high risk, insurance required | 2 | 1% | $319K | $159K |
2 Reynolds 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 | 89 | 63% |
| Accumulation of rainfall or snowmelt | 28 | 20% |
| Other causes | 16 | 11% |
| Tidal water overflow (storm surge) | 6 | 4% |
| Not recorded | 2 | 1% |
Flood claims by ZIP code in Reynolds County
9 ZIP codes with at least one claim FEMA assigned to Reynolds County.
| 63638 | 82 | $2.2M | 58% | 13 | 2020 |
| 63654 | 42 | $197K | 30% | 6 | 2026 |
| 63633 | 6 | $48K | 4% | 5 | 2017 |
| 63620 | 3 | $78K | 2% | 2 | 2026 |
| 63625 | 3 | $393K | 2% | 3 | 2026 |
| 63629 | 2 | $0 | 1% | 1 | 2026 |
| 63957 | 1 | $69K | 1% | 1 | 2017 |
| Not reported | 1 | $504 | 1% | 1 | 1985 |
| 63665 | 1 | $9K | 1% | 1 | 1993 |
When does Reynolds County flood?
November accounts for the most flood losses (34 claims, 24%). Claims by month of loss:
| Month | Claims | Share |
|---|---|---|
| January | 1 | 1% |
| February | 0 | 0% |
| March | 31 | 22% |
| April | 31 | 22% |
| May | 20 | 14% |
| June | 0 | 0% |
| July | 8 | 6% |
| August | 0 | 0% |
| September | 0 | 0% |
| October | 15 | 11% |
| November | 34 | 24% |
| December | 1 | 1% |
Year-by-year detail
| Year of loss | Claims | Paid |
|---|---|---|
| 2026 | 7 | $380K |
| 2020 | 1 | $18K |
| 2017 | 22 | $1.3M |
| 2011 | 1 | $1K |
| 2009 | 15 | $35K |
| 2008 | 33 | $476K |
| 2003 | 1 | $0 |
| 2002 | 21 | $176K |
| 1997 | 1 | $0 |
| 1996 | 1 | $2K |
| 1994 | 1 | $1K |
| 1993 | 25 | $625K |
| 1985 | 2 | $504 |
| 1984 | 7 | $13K |
| 1983 | 2 | $8K |
| 1982 | 1 | $9K |
Neighboring counties
| Neighbor | Claims | Paid | Outside high-risk |
|---|---|---|---|
| Reynolds County (this page) | 141 | $3.0M | 13% |
| Wayne County | 141 | $3.2M | 9% |
| Carter County | 123 | $5.4M | 13% |
| Iron County | 59 | $409K | 15% |
| Shannon County | 18 | $158K | 0% |
| Dent County | 5 | $27K | 0% |
All 107 Missouri counties → · County and ZIP rankings →
Common questions about flooding in Reynolds County
- Has Reynolds 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 3 of the 10 years to 2026 (30 claims).
- Has Reynolds County had a FEMA disaster declaration?
- Yes — Reynolds County has been named a designated area in 27 federal disaster declarations since 1973. The most recent is Severe Storms, Straight-Line Winds, and Flooding (DR-4939-MO, declared 2026-09-01). Since 2024 there have been 5. See the full list with dates and aid programs →
- What flood zone is Reynolds County in?
- No single zone covers a whole county. Across 139 Reynolds County claims with a zone on file, the most common was Zone A (53%), and 87% 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 29179, 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.