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St. Charles County, MO flood insurance claims history

9,999 claims under the National Flood Insurance Program on file for flood losses in St. Charles County since 1978, with $155.9M paid. The worst year was 1993 with 2,393 claims. St. Charles County ranks #2 of 107 in Missouri by claim count.

What the St. Charles County record shows

5% of claims with a zone on file came from outside FEMA's high-risk zones.
16% of all claims trace to one event, Midwest Flooding (1993), which paid $51.2M here.
Per claim, the costliest named event was Hurricane Ike (2008), averaging $38K across 40 claims.
1993 alone produced 24% 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 817 claims, 30% fewer than 2006–2015 (1,175). Counts also move with how many buildings held a policy.
ZIP codes 63301, 63386 and 63373 hold 81% of claims, out of 44 ZIP codes with any.
April through June accounts for 53% of losses.
St. Louis County has the most claims among its neighbors (12,031, against 9,999 here).

NFIP claims

9,999

1978–2026

Total paid

$155.9M

nominal dollars, not inflation-adjusted

Claims paid

88%

8,814 received a payment

Average payout

$18K

per paid claim

Last 10 years

795

claims 2017 – 2026

Most recent loss

2026-06-27

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: 2,393 claims in 1993

'80

'85

'90

'95

'00

'05

'10

'15

'20

'25

Biggest flood events in St. Charles County

Flood event (FEMA name)	Claims	Paid	Avg / claim	Year
Midwest Flooding	1,639	$51.2M	$31K	1993
Flooding (FEMA general label)	990	$8.4M	$9K	1986
Not a named storm	613	$3.3M	$5K	1982
Flooding (FEMA general label)	451	$4.7M	$11K	1995
Flooding (FEMA general label)	299	$1.2M	$4K	1985
Early winter storms	179	$3.9M	$22K	2015
Late July Flooding	130	$4.6M	$36K	2022
Flooding (FEMA general label)	66	$508K	$8K	1990
Late spring severe storms	53	$992K	$19K	2017
Late spring storms	53	$1.9M	$36K	2011
Hurricane Ike	40	$1.5M	$38K	2008
Flooding (FEMA general label)	37	$249K	$7K	1994

46% of claims here fall under these 12 entries.How to read these labels.

Federal disaster declarations for St. Charles County

St. Charles County has been a designated area in 28 declarations since 1965, 24 of them for flooding, storms or hurricanes. None since 2024 — the most recent was DR-4665-MO (2022-08-08).

Declared	FEMA number	Incident	Declared for	Dates of the incident	Aid unlocked here
2022-08-08	DR-4665-MO major disaster	Flood	Severe Storms and Flooding	2022-07-25 → 2022-07-28	Individual Assistance, 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
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
2013-07-18	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
2011-06-30	EM-3325-MO emergency	Flood	Flooding	2011-06-01 → 2011-08-01	Public Assistance
2011-02-03	EM-3317-MO emergency	Severe Storm	Severe Winter Storm	2011-01-31 → 2011-02-05	Public Assistance
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	Individual 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
2008-03-19	DR-1749-MO major disaster	Severe Storm	Severe Storms and Flooding	2008-03-17 → 2008-05-09	Public Assistance
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
2006-07-21	EM-3267-MO emergency	Severe Storm	Severe Storms	2006-07-19 → 2006-07-21	Public Assistance
2005-09-10	EM-3232-MO emergency	Hurricane	Hurricane Katrina Evacuation	2005-08-29 → 2005-10-01	Public Assistance
2000-05-12	DR-1328-MO major disaster	Flood	Severe Thunderstorms and Flash Flooding	2000-05-06 → 2000-05-07	Individual 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, Public Assistance
1994-04-21	DR-1023-MO major disaster	Severe Storm	Severe Storms, Tornadoes, Flooding	1994-04-09 → 1994-05-05	Individual Assistance
1993-07-09	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	Individual Assistance, Public Assistance
1982-12-10	DR-672-MO major disaster	Flood	Severe Storms and Flooding	1982-12-10	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
1965-06-14	DR-198-MO major disaster	Severe Storm	Flooding	1965-06-14	Individual Assistance, Public Assistance

OpenFEMA data through 2026-11-02; only declarations naming St. Charles County itself are listed. 16 of these 28 opened Individual Assistance here. What a declaration does and does not pay for.

Flood zones in St. Charles County: which ones the claims came from

High-risk A zones: 9,291 (93%)Coastal high-risk V zones: 5 (0%)Moderate / low-risk zones (B, C, X): 510 (5%)Zone not recorded: 193 (2%)

The most common zone on St. Charles County claims is Zone A1–A30 — 5,197 of 9,808 claims with a zone on file (53%). 95% were in a high-risk Special Flood Hazard Area.

Flood zone at rating	Claims	Share	Paid	Avg / claim
Zone A1–A30 · high risk, insurance required	5,197	53%	$58.8M	$11K
Zone AE · high risk, insurance required	3,354	34%	$79.4M	$24K
Zone A · high risk, insurance required	740	8%	$8.8M	$12K
Zone X · moderate / low risk	242	2%	$5.1M	$21K
Zone C · moderate / low risk	173	2%	$1.4M	$8K
Zone B · moderate / low risk	95	1%	$1.2M	$12K
Zone V · high risk, insurance required	5	0%	$1K	$295
Zone D · not studied	2	0%	$31K	$15K

191 St. Charles 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	4,791	48%
Accumulation of rainfall or snowmelt	2,481	25%
Tidal water overflow (storm surge)	2,298	23%
Other causes	296	3%
Alluvial fan overflow	77	1%
Not recorded	48	0%

Flood claims by ZIP code in St. Charles County

45 ZIP codes with at least one claim FEMA assigned to St. Charles County.


63301	5,100	$73.9M	51%	47	2026
63386	1,914	$35.3M	19%	29	2019
63373	1,075	$22.2M	11%	37	2026
Not reported	491	$2.9M	5%	13	1998
63376	390	$6.4M	4%	33	2022
63303	357	$4.0M	4%	37	2026
63366	324	$6.9M	3%	31	2022
63304	134	$1.9M	1%	31	2025
63302	78	$731K	1%	13	2002
63033	17	$135K	0%	11	2002
63368	14	$107K	0%	12	2022
63367	13	$37K	0%	9	2015
63385	12	$187K	0%	9	2022
63031	10	$106K	0%	6	2008
63341	8	$96K	0%	2	2000
63017	5	$43K	0%	4	1986
63137	5	$32K	0%	4	2002
63141	4	$43K	0%	2	1993
64063	4	$20K	0%	3	1993
63332	3	$18K	0%	2	1995
63138	3	$57K	0%	2	1995
63136	3	$63K	0%	3	2008
63130	3	$46K	0%	2	1995
63730	3	$842	0%	3	1983
63307	3	$23K	0%	1	1993
63122	2	$214K	0%	2	2013
63011	2	$25K	0%	1	1993
63044	2	$57K	0%	1	2008
63001	2	$13K	0%	2	1983
63074	2	$48K	0%	2	1993
63101	2	$206K	0%	1	1993
63378	1	$3K	0%	1	1986
63043	1	$0	0%	1	1993
63306	1	$5K	0%	1	1982
63135	1	$9K	0%	1	1979
63313	1	$48K	0%	1	1993
63348	1	$9K	0%	1	2014
65039	1	$9K	0%	1	1986
63372	1	$3K	0%	1	1979
63664	1	$10K	0%	1	1986
63105	1	$5K	0%	1	1993
63177	1	$15K	0%	1	1993
63370	1	$16K	0%	1	1993
65061	1	$12K	0%	1	2013
63310	1	$0	0%	1	1993

When does St. Charles County flood?

April accounts for the most flood losses (2,300 claims, 23%). Claims by month of loss:

Month	Claims	Share
January	42	0%
February	143	1%
March	470	5%
April	2,300	23%
May	1,729	17%
June	1,222	12%
July	1,837	18%
August	175	2%
September	158	2%
October	1,026	10%
November	72	1%
December	825	8%

Year-by-year detail

Year of loss	Claims	Paid
2026	6	$220K
2025	2	$70K
2024	13	$329K
2023	2	$21K
2022	139	$4.8M
2021	13	$197K
2020	58	$840K
2019	474	$22.1M
2018	28	$597K
2017	60	$1.1M
2016	28	$477K
2015	269	$5.2M
2014	42	$832K
2013	224	$4.9M
2012	1	$0
2011	86	$3.1M
2010	70	$844K
2009	37	$399K
2008	442	$15.1M
2007	2	$12K
2006	2	$0
2005	2	$28K
2004	15	$68K
2003	7	$58K
2002	122	$1.1M
2001	100	$1.2M
2000	25	$282K
1999	31	$263K
1998	96	$629K
1997	42	$234K
1996	152	$767K
1995	484	$5.0M
1994	43	$289K
1993	2,393	$60.5M
1992	17	$25K
1991	37	$71K
1990	250	$1.1M
1989	7	$30K
1988	4	$4K
1987	9	$12K
1986	1,083	$8.6M
1985	368	$1.3M
1984	118	$229K
1983	890	$4.2M
1982	806	$3.5M
1981	96	$109K
1980	2	$689
1979	741	$5.1M
1978	61	$63K

Neighboring counties

Neighbor	Claims	Paid	Outside high-risk
St. Charles County (this page)	9,999	$155.9M	5%
St. Louis County	12,031	$264.8M	16%
Lincoln County	2,253	$37.1M	4%
Jersey County, IL	1,869	$24.4M	5%
Calhoun County, IL	1,690	$16.8M	8%
Franklin County	1,097	$32.2M	12%
Madison County, IL	1,087	$8.0M	35%
Warren County	102	$2.3M	9%

All 107 Missouri counties → · County and ZIP rankings →

Common questions about flooding in St. Charles County

Has St. Charles County flooded recently?: The most recent flood loss with an insurance claim on file was on 2026-06-27, in FEMA data through 2026-09-08. Claims were filed in 10 of the 10 years to 2026 (795 claims).
Has St. Charles County had a FEMA disaster declaration?: Yes — St. Charles County has been named a designated area in 28 federal disaster declarations since 1965. The most recent is Severe Storms and Flooding (DR-4665-MO, declared 2022-08-08), which opened Individual Assistance here. There have been none since 2024. See the full list with dates and aid programs →
What flood zone is St. Charles County in?: No single zone covers a whole county. Across 9,808 St. Charles County claims with a zone on file, the most common was Zone A1–A30 (53%), and 95% 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 29183, 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.