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St. Francois County, MO flood insurance claims history
94 claims under the National Flood Insurance Program on file for flood losses in St. Francois County since 1979, with $2.8M paid. The worst year was 1993 with 13 claims. St. Francois County ranks #52 of 107 in Missouri by claim count.
What the St. Francois County record shows
- 14% of claims with a zone on file came from outside FEMA's high-risk zones.
- No single storm dominates: Late spring severe storms (2017), Mid-spring storms (2011) and Early winter storms (2015) together account for 18% of claims.
- Claims were filed in 10 of the 10 years to 2026, so flooding here is regular rather than once in a generation.
- The average paid claim is $35K, above the Missouri average of $23K (nominal dollars).
- ZIP codes 63628, 63601 and 63640 hold 96% of claims, out of 5 ZIP codes with any.
- March through May accounts for 55% of losses.
- Jefferson County has the most claims among its neighbors (4,592, against 94 here).
NFIP claims
94
1979–2026
Total paid
$2.8M
nominal dollars, not inflation-adjusted
Claims paid
86%
81 received a payment
Average payout
$35K
per paid claim
Last 10 years
23
claims 2017 – 2026
Most recent loss
2026-03-05
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: 13 claims in 1993
Biggest flood events in St. Francois County
| Flood event (FEMA name) | Claims | Paid | Avg / claim | Year |
|---|---|---|---|---|
| Late spring severe storms | 7 | $364K | $52K | 2017 |
| Mid-spring storms | 5 | $46K | $9K | 2011 |
| Early winter storms | 5 | $60K | $12K | 2015 |
| March storm | 4 | $247K | $62K | 2008 |
| Not a named storm | 2 | $1K | $562 | 1982 |
| Central U.S. April Flooding | 2 | $76K | $38K | 2025 |
| Flooding (FEMA general label) | 1 | $3K | $3K | 1994 |
| Flooding (FEMA general label) | 1 | $10K | $10K | 1985 |
29% of claims here fall under these 8 entries.How to read these labels.
Federal disaster declarations for St. Francois County
St. Francois County has been a designated area in 21 declarations since 1976, 18 of them for flooding, storms or hurricanes. Since 2024 it has been included in 1: Severe Storms, Tornadoes, and Flooding (DR-4924-MO, 2026).
| Declared | FEMA number | Incident | Declared for | Dates of the incident | Aid unlocked here |
|---|---|---|---|---|---|
| 2026-06-30 | DR-4924-MO major disaster | Severe Storm | Severe Storms, Tornadoes, and Flooding | 2026-04-23 → 2026-04-28 | Public Assistance |
| 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 |
| 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, 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 |
| 2009-01-30 | EM-3303-MO emergency | Severe Ice Storm | Severe Winter Storm | 2009-01-26 → 2009-01-28 | Public Assistance |
| 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 |
| 2006-12-29 | DR-1673-MO major disaster | Severe Storm | Severe Winter Storms | 2006-11-30 → 2006-12-02 | Public Assistance, Hazard Mitigation |
| 2006-04-05 | DR-1635-MO major disaster | Severe Storm | Severe Storms, Tornadoes, and Flooding | 2006-03-30 → 2006-04-03 | Individual Assistance, Public 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, 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, Hazard Mitigation |
| 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 |
| 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 |
| 1993-07-09 | DR-995-MO major disaster | Flood | Severe Storms & Flooding | 1993-06-10 → 1993-10-25 | Individual Assistance |
| 1976-09-24 | EM-3017-MO emergency | Drought | Drought | 1976-09-24 | Public Assistance |
OpenFEMA data through 2026-11-02; only declarations naming St. Francois County itself are listed. 12 of these 21 opened Individual Assistance here. What a declaration does and does not pay for.
Flood zones in St. Francois County: which ones the claims came from
High-risk A zones: 78 (83%)Coastal high-risk V zones: 0 (0%)Moderate / low-risk zones (B, C, X): 13 (14%)Zone not recorded: 3 (3%)
The most common zone on St. Francois County claims is Zone A — 61 of 91 claims with a zone on file (67%). 86% were in a high-risk Special Flood Hazard Area.
| Flood zone at rating | Claims | Share | Paid | Avg / claim |
|---|---|---|---|---|
| Zone A · high risk, insurance required | 61 | 67% | $1.7M | $28K |
| Zone A1–A30 · high risk, insurance required | 11 | 12% | $768K | $70K |
| Zone X · moderate / low risk | 10 | 11% | $194K | $19K |
| Zone AE · high risk, insurance required | 6 | 7% | $75K | $13K |
| Zone B · moderate / low risk | 2 | 2% | $3K | $1K |
| Zone C · moderate / low risk | 1 | 1% | $152 | $152 |
3 St. Francois 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 | 55 | 59% |
| Accumulation of rainfall or snowmelt | 26 | 28% |
| Other causes | 7 | 7% |
| Tidal water overflow (storm surge) | 5 | 5% |
| Not recorded | 1 | 1% |
Flood claims by ZIP code in St. Francois County
5 ZIP codes with at least one claim FEMA assigned to St. Francois County.
When does St. Francois County flood?
April accounts for the most flood losses (23 claims, 24%). Claims by month of loss:
| Month | Claims | Share |
|---|---|---|
| January | 1 | 1% |
| February | 7 | 7% |
| March | 11 | 12% |
| April | 23 | 24% |
| May | 18 | 19% |
| June | 0 | 0% |
| July | 2 | 2% |
| August | 4 | 4% |
| September | 3 | 3% |
| October | 2 | 2% |
| November | 14 | 15% |
| December | 9 | 10% |
Year-by-year detail
| Year of loss | Claims | Paid |
|---|---|---|
| 2026 | 1 | $28K |
| 2025 | 2 | $76K |
| 2024 | 3 | $185K |
| 2023 | 3 | $69K |
| 2022 | 2 | $32K |
| 2021 | 1 | $21K |
| 2020 | 1 | $25K |
| 2019 | 1 | $17K |
| 2018 | 2 | $88K |
| 2017 | 7 | $364K |
| 2016 | 3 | $47K |
| 2015 | 7 | $75K |
| 2013 | 2 | $57K |
| 2011 | 5 | $46K |
| 2009 | 10 | $220K |
| 2008 | 4 | $247K |
| 2002 | 6 | $58K |
| 2001 | 1 | $9K |
| 1999 | 5 | $801K |
| 1998 | 1 | $19K |
| 1997 | 2 | $38K |
| 1996 | 1 | $52K |
| 1994 | 1 | $3K |
| 1993 | 13 | $181K |
| 1985 | 3 | $42K |
| 1982 | 2 | $1K |
| 1979 | 5 | $3K |
Neighboring counties
| Neighbor | Claims | Paid | Outside high-risk |
|---|---|---|---|
| St. Francois County (this page) | 94 | $2.8M | 14% |
| Jefferson County | 4,592 | $69.3M | 15% |
| Ste. Genevieve County | 1,160 | $7.0M | 3% |
| Perry County | 259 | $5.0M | 3% |
| Madison County | 155 | $2.6M | 38% |
| Iron County | 59 | $409K | 15% |
| Washington County | 38 | $265K | 12% |
All 107 Missouri counties → · County and ZIP rankings →
Common questions about flooding in St. Francois County
- Has St. Francois County flooded recently?
- The most recent flood loss with an insurance claim on file was on 2026-03-05, in FEMA data through 2026-09-08. Claims were filed in 10 of the 10 years to 2026 (23 claims).
- Has St. Francois County had a FEMA disaster declaration?
- Yes — St. Francois County has been named a designated area in 21 federal disaster declarations since 1976. The most recent is Severe Storms, Tornadoes, and Flooding (DR-4924-MO, declared 2026-06-30). Since 2024 there have been 1. See the full list with dates and aid programs →
- What flood zone is St. Francois County in?
- No single zone covers a whole county. Across 91 St. Francois County claims with a zone on file, the most common was Zone A (67%), and 86% 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 29187, 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.