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St. Louis city, MO flood insurance claims history

739 claims under the National Flood Insurance Program on file for flood losses in St. Louis city since 1978, with $10.1M paid. The worst year was 1993 with 280 claims. St. Louis city ranks #12 of 107 in Missouri by claim count.

What the St. Louis city record shows

34% of claims with a zone on file came from outside FEMA's high-risk zones, well above the 14% across Missouri.
32% of all claims trace to one event, Midwest Flooding (1993), which paid $3.8M here.
Per claim, the costliest named event was Late July Flooding (2022), averaging $91K across 18 claims.
1993 alone produced 38% of the claims on file.
2016–2025 brought 42 claims, 37% fewer than 2006–2015 (67). Counts also move with how many buildings held a policy.
24% of claims closed without a payment, against 15% statewide.
St. Louis County has the most claims among its neighbors (12,031, against 739 here).

NFIP claims

739

1978–2024

Total paid

$10.1M

nominal dollars, not inflation-adjusted

Claims paid

76%

561 received a payment

Average payout

$18K

per paid claim

Last 10 years

claims 2017 – 2026

Most recent loss

2024-07-16

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: 280 claims in 1993

'80

'85

'90

'95

'00

'05

'10

'15

'20

Biggest flood events in St. Louis city

Flood event (FEMA name)	Claims	Paid	Avg / claim	Year
Midwest Flooding	238	$3.8M	$16K	1993
Not a named storm	38	$239K	$6K	1982
Flooding (FEMA general label)	21	$85K	$4K	1986
Late July Flooding	18	$1.6M	$91K	2022
Flooding (FEMA general label)	17	$51K	$3K	1995
Hurricane Ike	12	$95K	$8K	2008
Flooding (FEMA general label)	11	$16K	$1K	1985
Early winter storms	8	$55K	$7K	2015
Flooding (FEMA general label)	6	$21K	$4K	1994
Late spring storms	4	$213K	$53K	2011
Flooding (FEMA general label)	2	$618	$309	1990
March storm	2	$51K	$26K	2008

51% of claims here fall under these 12 entries.How to read these labels.

Federal disaster declarations for St. Louis city

St. Louis city has been a designated area in 25 declarations since 1973, 22 of them for flooding, storms or hurricanes. Since 2024 it has been included in 1: Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (DR-4877-MO, 2025).

Declared	FEMA number	Incident	Declared for	Dates of the incident	Aid unlocked here
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
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	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
2011-06-30	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	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
2006-12-29	DR-1673-MO major disaster	Severe Storm	Severe Winter Storms	2006-11-30 → 2006-12-02	Public Assistance, Hazard Mitigation
2006-11-02	DR-1667-MO major disaster	Severe Storm	Severe Storms	2006-07-19 → 2006-07-21	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
1998-10-19	DR-1256-MO major disaster	Severe Storm	Severe Storms and Flooding	1998-07-10 → 1998-07-31	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
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
1979-04-21	DR-579-MO major disaster	Tornado	Tornadoes, Torrential Rain & Flooding	1979-04-21	Individual Assistance, 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 St. Louis city itself are listed. 10 of these 25 opened Individual Assistance here. What a declaration does and does not pay for.

Flood zones in St. Louis city: which ones the claims came from

High-risk A zones: 425 (58%)Coastal high-risk V zones: 1 (0%)Moderate / low-risk zones (B, C, X): 220 (30%)Zone not recorded: 93 (13%)

The most common zone on St. Louis city claims is Zone A1–A30 — 255 of 646 claims with a zone on file (39%). 66% 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	255	39%	$2.1M	$8K
Zone AE · high risk, insurance required	116	18%	$3.5M	$30K
Zone C · moderate / low risk	86	13%	$1.2M	$14K
Zone B · moderate / low risk	74	11%	$939K	$13K
Zone X · moderate / low risk	60	9%	$995K	$17K
Zone A · high risk, insurance required	54	8%	$1.2M	$21K
Zone V · high risk, insurance required	1	0%	$3K	$3K

93 St. Louis city 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	306	41%
Tidal water overflow (storm surge)	196	27%
Accumulation of rainfall or snowmelt	187	25%
Other causes	24	3%
Alluvial fan overflow	17	2%
Not recorded	7	1%

Flood claims by ZIP code in St. Louis city

36 ZIP codes with at least one claim FEMA assigned to St. Louis city.


63123	123	$486K	17%	19	2023
63116	115	$631K	16%	20	2023
63111	104	$2.1M	14%	20	2024
63125	48	$600K	6%	10	2016
63102	42	$797K	6%	20	2019
63147	40	$1.2M	5%	16	2023
63143	39	$730K	5%	9	2024
63109	29	$162K	4%	9	2004
Not reported	25	$72K	3%	7	1993
63118	19	$215K	3%	5	1993
63139	16	$64K	2%	8	1995
63128	14	$95K	2%	6	1995
63101	11	$42K	1%	5	1995
63112	11	$527K	1%	7	2022
63107	11	$744K	1%	7	1996
63137	10	$640K	1%	6	2019
63114	9	$69K	1%	6	1994
63104	9	$16K	1%	6	2011
63136	8	$40K	1%	7	2015
63120	7	$84K	1%	6	2022
63138	7	$92K	1%	6	2001
63115	6	$41K	1%	5	2011
63110	6	$66K	1%	6	2015
63103	4	$2K	1%	3	1982
63130	4	$427	1%	4	2022
63113	4	$8K	1%	3	1993
63100	3	$37K	0%	1	1993
63108	3	$15K	0%	3	2022
63135	2	$38K	0%	1	1993
63106	2	$19K	0%	1	1979
63157	2	$24K	0%	2	1982
63117	2	$11K	0%	1	1986
63133	1	$500K	0%	1	2022
63303	1	$26K	0%	1	1993
63166	1	$4K	0%	1	1979
63129	1	$1K	0%	1	1985

When does St. Louis city flood?

July accounts for the most flood losses (237 claims, 32%). Claims by month of loss:

Month	Claims	Share
January	4	1%
February	11	1%
March	22	3%
April	142	19%
May	85	12%
June	40	5%
July	237	32%
August	62	8%
September	40	5%
October	32	4%
November	13	2%
December	51	7%

Year-by-year detail

Year of loss	Claims	Paid
2024	2	$26K
2023	5	$29K
2022	22	$1.7M
2019	9	$722K
2017	2	$33K
2016	2	$110K
2015	24	$116K
2014	1	$1K
2013	3	$71K
2011	6	$238K
2010	8	$306K
2009	1	$0
2008	21	$274K
2006	3	$6K
2005	1	$48K
2004	4	$4K
2003	4	$104K
2002	3	$7K
2001	3	$44K
1998	6	$38K
1997	1	$0
1996	4	$694K
1995	21	$66K
1994	12	$498K
1993	280	$4.1M
1992	3	$26K
1991	1	$0
1990	4	$8K
1987	3	$0
1986	22	$86K
1985	20	$28K
1984	12	$6K
1983	27	$66K
1982	57	$262K
1981	11	$8K
1980	2	$0
1979	116	$449K
1978	13	$6K

Neighboring counties

Neighbor	Claims	Paid	Outside high-risk
St. Louis city (this page)	739	$10.1M	34%
St. Louis County	12,031	$264.8M	16%
St. Clair County, IL	1,469	$7.8M	51%
Madison County, IL	1,087	$8.0M	35%

All 107 Missouri counties → · County and ZIP rankings →

Common questions about flooding in St. Louis city

Has St. Louis city flooded recently?: The most recent flood loss with an insurance claim on file was on 2024-07-16, in FEMA data through 2026-09-08. Claims were filed in 5 of the 10 years to 2026 (40 claims).
Has St. Louis city had a FEMA disaster declaration?: Yes — St. Louis city has been named a designated area in 25 federal disaster declarations since 1973. The most recent is Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (DR-4877-MO, declared 2025-06-09), which opened Individual Assistance here. Since 2024 there have been 1. See the full list with dates and aid programs →
What flood zone is St. Louis city in?: No single zone covers a whole county. Across 646 St. Louis city claims with a zone on file, the most common was Zone A1–A30 (39%), and 66% 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 29510, 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.