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Ripley County, MO flood insurance claims history
244 claims under the National Flood Insurance Program on file for flood losses in Ripley County since 1982, with $12.4M paid. The worst year was 2017 with 66 claims. Ripley County ranks #27 of 107 in Missouri by claim count.
What the Ripley County record shows
- 7% of claims with a zone on file came from outside FEMA's high-risk zones.
- 27% of all claims trace to one event, Late spring severe storms (2017), which paid $8.9M here.
- 2017 alone produced 27% of the claims on file.
- The average paid claim is $55K, above the Missouri average of $23K (nominal dollars).
- ZIP 63935 alone holds 95% of claims.
- March through May accounts for 75% of losses.
- Butler County has the most claims among its neighbors (517, against 244 here).
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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 Ripley County
| Flood event (FEMA name) | Claims | Paid | Avg / claim | Year |
|---|---|---|---|---|
| Late spring severe storms | 66 | $8.9M | $135K | 2017 |
| March storm | 44 | $1.4M | $31K | 2008 |
| Mid-spring storms | 38 | $939K | $25K | 2011 |
| Early winter storms | 7 | $127K | $18K | 2015 |
| Flooding (FEMA general label) | 7 | $71K | $10K | 1985 |
| Central U.S. April Flooding | 5 | $94K | $19K | 2025 |
| Early winter storms | 1 | $46K | $46K | 2016 |
| Not a named storm | 1 | $12K | $12K | 1982 |
69% of claims here fall under these 8 entries.How to read these labels.
Federal disaster declarations for Ripley County
Ripley County has been a designated area in 24 declarations since 1973, 21 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, Tornadoes, and Flooding (DR-4924-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, 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 |
| 2026-06-30 | DR-4924-MO major disaster | Severe Storm | Severe Storms, Tornadoes, and Flooding | 2026-04-23 → 2026-04-28 | 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 |
| 2024-07-23 | DR-4803-MO major disaster | Severe Storm | Severe Storms, Straight-Line Winds, Tornadoes, and Flooding | 2024-05-19 → 2024-05-27 | Individual Assistance, Public Assistance, Hazard Mitigation |
| 2020-07-09 | DR-4552-MO major disaster | Severe Storm | Severe Storms, Tornadoes, Straight-Line Winds, and Flooding | 2020-05-03 → 2020-05-04 | 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 |
| 2016-01-02 | 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 |
| 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 |
| 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 |
| 1993-12-01 | DR-1006-MO major disaster | Severe Storm | Severe Storms, Tornadoes, and Flooding | 1993-11-13 → 1993-11-19 | Individual Assistance |
| 1982-12-10 | DR-672-MO major disaster | Flood | Severe Storms and Flooding | 1982-12-10 | 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 Ripley County itself are listed. 12 of these 24 opened Individual Assistance here. What a declaration does and does not pay for.
Flood zones in Ripley County: which ones the claims came from
The most common zone on Ripley County claims is Zone A — 156 of 219 claims with a zone on file (71%). 93% were in a high-risk Special Flood Hazard Area.
| Flood zone at rating | Claims | Share | Paid | Avg / claim |
|---|---|---|---|---|
| Zone A · high risk, insurance required | 156 | 71% | $7.2M | $46K |
| Zone AE · high risk, insurance required | 48 | 22% | $3.5M | $74K |
| Zone C · moderate / low risk | 8 | 4% | $794K | $99K |
| Zone X · moderate / low risk | 7 | 3% | $660K | $94K |
25 Ripley 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 | 171 | 70% |
| Accumulation of rainfall or snowmelt | 43 | 18% |
| Tidal water overflow (storm surge) | 14 | 6% |
| Other causes | 13 | 5% |
| Not recorded | 2 | 1% |
| Alluvial fan overflow | 1 | 0% |
Flood claims by ZIP code in Ripley County
3 ZIP codes with at least one claim FEMA assigned to Ripley County.
When does Ripley County flood?
April accounts for the most flood losses (98 claims, 40%). Claims by month of loss:
| Month | Claims | Share |
|---|---|---|
| January | 3 | 1% |
| February | 7 | 3% |
| March | 49 | 20% |
| April | 98 | 40% |
| May | 36 | 15% |
| June | 2 | 1% |
| July | 0 | 0% |
| August | 3 | 1% |
| September | 2 | 1% |
| October | 1 | 0% |
| November | 34 | 14% |
| December | 9 | 4% |
Year-by-year detail
| Year of loss | Claims | Paid |
|---|---|---|
| 2025 | 5 | $94K |
| 2023 | 2 | $1K |
| 2021 | 1 | $0 |
| 2017 | 66 | $8.9M |
| 2016 | 3 | $113K |
| 2015 | 7 | $127K |
| 2013 | 1 | $2K |
| 2011 | 39 | $945K |
| 2009 | 2 | $144K |
| 2008 | 45 | $1.4M |
| 2006 | 3 | $22K |
| 2004 | 1 | $3K |
| 2003 | 1 | $6K |
| 2002 | 17 | $117K |
| 1999 | 1 | $8K |
| 1997 | 2 | $2K |
| 1993 | 24 | $351K |
| 1985 | 17 | $187K |
| 1984 | 1 | $1K |
| 1983 | 4 | $27K |
| 1982 | 2 | $12K |
Neighboring counties
| Neighbor | Claims | Paid | Outside high-risk |
|---|---|---|---|
| Ripley County (this page) | 244 | $12.4M | 7% |
| Butler County | 517 | $10.1M | 12% |
| Carter County | 123 | $5.4M | 13% |
| Oregon County | 39 | $490K | 3% |
All 107 Missouri counties → · County and ZIP rankings →
Common questions about flooding in Ripley County
- Has Ripley County flooded recently?
- The most recent flood loss with an insurance claim on file was on 2025-04-06, in FEMA data through 2026-09-08. Claims were filed in 4 of the 10 years to 2026 (74 claims).
- Has Ripley County had a FEMA disaster declaration?
- Yes — Ripley County has been named a designated area in 24 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 Ripley County in?
- No single zone covers a whole county. Across 219 Ripley County claims with a zone on file, the most common was Zone A (71%), and 93% 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 29181, 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.