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Scott County, MO flood insurance claims history
484 claims under the National Flood Insurance Program on file for flood losses in Scott County since 1978, with $4.4M paid. The worst year was 2011 with 99 claims. Scott County ranks #16 of 107 in Missouri by claim count.
What the Scott County record shows
- 11% of claims with a zone on file came from outside FEMA's high-risk zones.
- 19% of all claims trace to one event, Mid-spring storms (2011), which paid $1.1M here.
- Per claim, the costliest named event was Late spring severe storms (2017), averaging $31K across 5 claims.
- 2011 alone produced 20% of the claims on file.
- Claims were filed in 10 of the 10 years to 2026, so flooding here is regular rather than once in a generation.
- 2016–2025 brought 48 claims, 71% fewer than 2006–2015 (166). Counts also move with how many buildings held a policy.
- The average paid claim is $12K, below the Missouri average of $23K (nominal dollars).
- 26% of claims closed without a payment, against 15% statewide.
- ZIP codes 63801, 63742 and 63780 hold 91% of claims, out of 13 ZIP codes with any.
- March through May accounts for 61% of losses.
- Cape Girardeau County has the most claims among its neighbors (1,074, against 484 here).
NFIP claims
484
1978–2026
Total paid
$4.4M
nominal dollars, not inflation-adjusted
Claims paid
74%
359 received a payment
Average payout
$12K
per paid claim
Last 10 years
42
claims 2017 – 2026
Most recent loss
2026-06-08
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: 99 claims in 2011
Biggest flood events in Scott County
| Flood event (FEMA name) | Claims | Paid | Avg / claim | Year |
|---|---|---|---|---|
| Mid-spring storms | 93 | $1.1M | $11K | 2011 |
| Midwest Flooding | 32 | $443K | $14K | 1993 |
| Flooding (FEMA general label) | 24 | $373K | $16K | 1995 |
| March storm | 18 | $112K | $6K | 2008 |
| Not a named storm | 17 | $100K | $6K | 1982 |
| Flooding (FEMA general label) | 13 | $22K | $2K | 1986 |
| Central U.S. April Flooding | 8 | $186K | $23K | 2025 |
| Early winter storms | 5 | $121K | $24K | 2015 |
| Late spring severe storms | 5 | $157K | $31K | 2017 |
| Flooding (FEMA general label) | 4 | $8K | $2K | 1982 |
| Mid-spring storms | 3 | $9K | $3K | 2014 |
| Late spring storms | 2 | $0 | $0 | 2011 |
46% of claims here fall under these 12 entries.How to read these labels.
Federal disaster declarations for Scott County
Scott County has been a designated area in 31 declarations since 1973, 27 of them for flooding, storms or hurricanes. Since 2024 it has been included in 5: Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (DR-4929-MO, 2026), Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (DR-4877-MO, 2025), 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 |
|---|---|---|---|---|---|
| 2026-08-03 | DR-4929-MO major disaster | Severe Storm | Severe Storms, Straight-Line Winds, Tornadoes, and Flooding | 2026-06-04 → 2026-06-18 | Public Assistance |
| 2025-06-09 | DR-4877-MO major disaster | Severe Storm | Severe Storms, Straight-Line Winds, Tornadoes, and Flooding | 2025-05-16 | Individual Assistance, 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 | 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 |
| 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 | 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 |
| 2009-02-17 | 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 |
| 2008-06-25 | 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 | 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 |
| 2006-03-16 | DR-1631-MO major disaster | Severe Storm | Severe Storms, Tornadoes and Flooding | 2006-03-08 → 2006-03-13 | Individual 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 | 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 |
| 1993-07-09 | DR-995-MO major disaster | Flood | Severe Storms & Flooding | 1993-06-10 → 1993-10-25 | Individual Assistance |
| 1979-04-21 | DR-579-MO major disaster | Tornado | Tornadoes, Torrential Rain & Flooding | 1979-04-21 | 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 Scott County itself are listed. 14 of these 31 opened Individual Assistance here. What a declaration does and does not pay for.
Flood zones in Scott County: which ones the claims came from
High-risk A zones: 408 (84%)Coastal high-risk V zones: 0 (0%)Moderate / low-risk zones (B, C, X): 52 (11%)Zone not recorded: 24 (5%)
The most common zone on Scott County claims is Zone AH — 177 of 460 claims with a zone on file (38%). 89% were in a high-risk Special Flood Hazard Area.
| Flood zone at rating | Claims | Share | Paid | Avg / claim |
|---|---|---|---|---|
| Zone AH (filed as AH, AHB) · high risk, insurance required | 177 | 38% | $1.5M | $9K |
| Zone A1–A30 · high risk, insurance required | 110 | 24% | $928K | $8K |
| Zone AE · high risk, insurance required | 65 | 14% | $1.0M | $16K |
| Zone A · high risk, insurance required | 55 | 12% | $512K | $9K |
| Zone B · moderate / low risk | 26 | 6% | $162K | $6K |
| Zone X · moderate / low risk | 16 | 3% | $123K | $8K |
| Zone C · moderate / low risk | 10 | 2% | $32K | $3K |
| Zone AO · high risk, insurance required | 1 | 0% | $0 | $0 |
24 Scott 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 | 195 | 40% |
| Accumulation of rainfall or snowmelt | 192 | 40% |
| Tidal water overflow (storm surge) | 66 | 14% |
| Other causes | 26 | 5% |
| Earth movement or landslide | 4 | 1% |
| Not recorded | 1 | 0% |
Flood claims by ZIP code in Scott County
14 ZIP codes with at least one claim FEMA assigned to Scott County.
| 63801 | 246 | $1.6M | 51% | 36 | 2025 |
| 63742 | 98 | $848K | 20% | 10 | 2015 |
| 63780 | 95 | $1.6M | 20% | 25 | 2026 |
| 63784 | 9 | $29K | 2% | 4 | 2011 |
| 63740 | 9 | $20K | 2% | 4 | 2012 |
| Not reported | 6 | $20K | 1% | 3 | 1983 |
| 63771 | 5 | $112K | 1% | 3 | 2023 |
| 63754 | 4 | $65K | 1% | 3 | 1983 |
| 63736 | 3 | $23K | 1% | 3 | 2002 |
| 63823 | 3 | $46K | 1% | 3 | 2007 |
| 63701 | 2 | $52K | 0% | 2 | 1995 |
| 63735 | 2 | $0 | 0% | 1 | 2011 |
| 63824 | 1 | $0 | 0% | 1 | 2002 |
| 63828 | 1 | $0 | 0% | 1 | 1983 |
When does Scott County flood?
April accounts for the most flood losses (133 claims, 27%). Claims by month of loss:
| Month | Claims | Share |
|---|---|---|
| January | 12 | 2% |
| February | 29 | 6% |
| March | 37 | 8% |
| April | 133 | 27% |
| May | 124 | 26% |
| June | 23 | 5% |
| July | 40 | 8% |
| August | 15 | 3% |
| September | 2 | 0% |
| October | 5 | 1% |
| November | 6 | 1% |
| December | 58 | 12% |
Year-by-year detail
| Year of loss | Claims | Paid |
|---|---|---|
| 2026 | 2 | $56K |
| 2025 | 10 | $226K |
| 2024 | 1 | $18K |
| 2023 | 9 | $247K |
| 2022 | 4 | $31K |
| 2021 | 1 | $0 |
| 2020 | 2 | $49K |
| 2019 | 6 | $244K |
| 2018 | 1 | $8K |
| 2017 | 6 | $157K |
| 2016 | 8 | $99K |
| 2015 | 7 | $185K |
| 2014 | 4 | $9K |
| 2013 | 13 | $153K |
| 2012 | 1 | $0 |
| 2011 | 99 | $1.1M |
| 2010 | 1 | $0 |
| 2009 | 2 | $17K |
| 2008 | 33 | $217K |
| 2007 | 5 | $53K |
| 2006 | 1 | $3K |
| 2005 | 1 | $0 |
| 2003 | 7 | $17K |
| 2002 | 24 | $122K |
| 2001 | 35 | $166K |
| 1999 | 4 | $14K |
| 1998 | 1 | $1K |
| 1997 | 12 | $5K |
| 1996 | 1 | $0 |
| 1995 | 24 | $373K |
| 1994 | 1 | $0 |
| 1993 | 38 | $484K |
| 1991 | 1 | $1K |
| 1990 | 1 | $0 |
| 1989 | 18 | $37K |
| 1988 | 1 | $0 |
| 1986 | 15 | $22K |
| 1985 | 1 | $587 |
| 1984 | 1 | $1K |
| 1983 | 34 | $70K |
| 1982 | 23 | $108K |
| 1981 | 3 | $8K |
| 1980 | 1 | $0 |
| 1979 | 20 | $131K |
| 1978 | 1 | $1K |
Neighboring counties
| Neighbor | Claims | Paid | Outside high-risk |
|---|---|---|---|
| Scott County (this page) | 484 | $4.4M | 11% |
| Cape Girardeau County | 1,074 | $11.2M | 13% |
| Alexander County, IL | 444 | $3.2M | 9% |
| Mississippi County | 212 | $4.4M | 7% |
| New Madrid County | 202 | $3.0M | 21% |
| Stoddard County | 102 | $1.1M | 16% |
All 107 Missouri counties → · County and ZIP rankings →
Common questions about flooding in Scott County
- Has Scott County flooded recently?
- The most recent flood loss with an insurance claim on file was on 2026-06-08, in FEMA data through 2026-09-08. Claims were filed in 10 of the 10 years to 2026 (42 claims).
- Has Scott County had a FEMA disaster declaration?
- Yes — Scott County has been named a designated area in 31 federal disaster declarations since 1973. The most recent is Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (DR-4929-MO, declared 2026-08-03). Since 2024 there have been 5. See the full list with dates and aid programs →
- What flood zone is Scott County in?
- No single zone covers a whole county. Across 460 Scott County claims with a zone on file, the most common was Zone AH (38%), and 89% 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 29201, 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.