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Ste. Genevieve County, MO flood insurance claims history
1,160 claims under the National Flood Insurance Program on file for flood losses in Ste. Genevieve County since 1978, with $7.0M paid. The worst year was 1993 with 293 claims. Ste. Genevieve County ranks #7 of 107 in Missouri by claim count.
What the Ste. Genevieve County record shows
- 3% of claims with a zone on file came from outside FEMA's high-risk zones, well below the 14% across Missouri.
- 22% of all claims trace to one event, Midwest Flooding (1993), which paid $2.8M here.
- 1993 alone produced 25% of the claims on file.
- The average paid claim is $7K, below the Missouri average of $23K (nominal dollars).
- ZIP codes 63670, 63673 and 63627 hold 96% of claims, out of 6 ZIP codes with any.
- Jefferson County has the most claims among its neighbors (4,592, against 1,160 here).
NFIP claims
1,160
1978–2025
Total paid
$7.0M
nominal dollars, not inflation-adjusted
Claims paid
80%
933 received a payment
Average payout
$7K
per paid claim
Last 10 years
11
claims 2017 – 2026
Most recent loss
2025-04-04
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: 293 claims in 1993
Biggest flood events in Ste. Genevieve County
| Flood event (FEMA name) | Claims | Paid | Avg / claim | Year |
|---|---|---|---|---|
| Midwest Flooding | 255 | $2.8M | $11K | 1993 |
| Not a named storm | 166 | $897K | $5K | 1982 |
| Flooding (FEMA general label) | 75 | $378K | $5K | 1986 |
| Flooding (FEMA general label) | 70 | $324K | $5K | 1995 |
| Flooding (FEMA general label) | 28 | $63K | $2K | 1985 |
| Flooding (FEMA general label) | 10 | $5K | $533 | 1990 |
| Flooding (FEMA general label) | 7 | $42K | $6K | 1994 |
| Flooding (FEMA general label) | 4 | $2K | $508 | 1982 |
| Late spring severe storms | 3 | $16K | $5K | 2017 |
| Early winter storms | 3 | $109K | $36K | 2016 |
| Early winter storms | 1 | $305K | $305K | 2015 |
| Central U.S. April Flooding | 1 | $61K | $61K | 2025 |
54% of claims here fall under these 12 entries.How to read these labels.
Federal disaster declarations for Ste. Genevieve County
Ste. Genevieve County has been a designated area in 31 declarations since 1973, 28 of them for flooding, storms or hurricanes. Since 2024 it has been included in 1: Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (DR-4872-MO, 2025).
| Declared | FEMA number | Incident | Declared for | Dates of the incident | Aid unlocked here |
|---|---|---|---|---|---|
| 2025-05-21 | DR-4872-MO major disaster | Severe Storm | Severe Storms, Straight-Line Winds, Tornadoes, and Flooding | 2025-03-30 → 2025-04-08 | Public Assistance |
| 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 | 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 |
| 2015-08-07 | DR-4238-MO major disaster | Severe Storm | Severe Storms, Tornadoes, Straight-Line Winds, and Flooding | 2015-05-15 → 2015-07-27 | Public Assistance, Hazard Mitigation |
| 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 |
| 2011-05-09 | DR-1980-MO major disaster | Severe Storm | Severe Storms, Tornadoes, and Flooding | 2011-04-19 → 2011-06-06 | 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 | 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 | Public Assistance |
| 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 |
| 2006-03-16 | 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, 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 |
| 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 |
| 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, Public Assistance |
| 1993-05-11 | DR-989-MO major disaster | Flood | Severe Storms & Flooding | 1993-04-15 → 1993-05-29 | Individual 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 Ste. Genevieve County itself are listed. 13 of these 31 opened Individual Assistance here. What a declaration does and does not pay for.
Flood zones in Ste. Genevieve County: which ones the claims came from
High-risk A zones: 1,097 (95%)Coastal high-risk V zones: 0 (0%)Moderate / low-risk zones (B, C, X): 31 (3%)Zone not recorded: 32 (3%)
The most common zone on Ste. Genevieve County claims is Zone A1–A30 — 849 of 1,128 claims with a zone on file (75%). 97% 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 | 849 | 75% | $3.9M | $5K |
| Zone AE · high risk, insurance required | 210 | 19% | $2.1M | $10K |
| Zone A · high risk, insurance required | 33 | 3% | $428K | $13K |
| Zone X · moderate / low risk | 16 | 1% | $141K | $9K |
| Zone B · moderate / low risk | 12 | 1% | $143K | $12K |
| Zone A99 · high risk, insurance required | 5 | 0% | $69K | $14K |
| Zone C · moderate / low risk | 3 | 0% | $15K | $5K |
32 Ste. Genevieve 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 |
|---|---|---|
| Tidal water overflow (storm surge) | 532 | 46% |
| Stream, river or lake overflow | 305 | 26% |
| Accumulation of rainfall or snowmelt | 301 | 26% |
| Other causes | 13 | 1% |
| Not recorded | 5 | 0% |
| Earth movement or landslide | 3 | 0% |
Flood claims by ZIP code in Ste. Genevieve County
7 ZIP codes with at least one claim FEMA assigned to Ste. Genevieve County.
| 63670 | 992 | $5.7M | 86% | 28 | 2025 |
| 63673 | 122 | $1.0M | 11% | 11 | 2019 |
| Not reported | 39 | $113K | 3% | 6 | 1993 |
| 63627 | 3 | $53K | 0% | 2 | 2021 |
| 63690 | 2 | $21K | 0% | 1 | 1993 |
| 63700 | 1 | $9K | 0% | 1 | 1993 |
| 63101 | 1 | $19K | 0% | 1 | 1993 |
When does Ste. Genevieve County flood?
April accounts for the most flood losses (293 claims, 25%). Claims by month of loss:
| Month | Claims | Share |
|---|---|---|
| January | 4 | 0% |
| February | 16 | 1% |
| March | 16 | 1% |
| April | 293 | 25% |
| May | 260 | 22% |
| June | 19 | 2% |
| July | 222 | 19% |
| August | 50 | 4% |
| September | 11 | 1% |
| October | 74 | 6% |
| November | 15 | 1% |
| December | 180 | 16% |
Year-by-year detail
| Year of loss | Claims | Paid |
|---|---|---|
| 2025 | 1 | $61K |
| 2024 | 2 | $4K |
| 2021 | 1 | $7K |
| 2019 | 4 | $29K |
| 2017 | 3 | $16K |
| 2016 | 3 | $109K |
| 2015 | 6 | $390K |
| 2013 | 1 | $35K |
| 2010 | 1 | $14K |
| 2009 | 8 | $82K |
| 2008 | 1 | $4K |
| 2003 | 1 | $12K |
| 1999 | 2 | $23K |
| 1998 | 2 | $10K |
| 1997 | 2 | $5K |
| 1996 | 2 | $12K |
| 1995 | 72 | $337K |
| 1994 | 7 | $42K |
| 1993 | 293 | $3.1M |
| 1992 | 9 | $15K |
| 1990 | 12 | $7K |
| 1986 | 90 | $410K |
| 1985 | 34 | $75K |
| 1984 | 6 | $6K |
| 1983 | 247 | $629K |
| 1982 | 180 | $913K |
| 1981 | 1 | $2K |
| 1980 | 2 | $364 |
| 1979 | 166 | $669K |
| 1978 | 1 | $0 |
Neighboring counties
| Neighbor | Claims | Paid | Outside high-risk |
|---|---|---|---|
| Ste. Genevieve County (this page) | 1,160 | $7.0M | 3% |
| Jefferson County | 4,592 | $69.3M | 15% |
| Monroe County, IL | 689 | $22.7M | 4% |
| Perry County | 259 | $5.0M | 3% |
| Randolph County, IL | 182 | $2.7M | 9% |
| St. Francois County | 94 | $2.8M | 14% |
All 107 Missouri counties → · County and ZIP rankings →
Common questions about flooding in Ste. Genevieve County
- Has Ste. Genevieve County flooded recently?
- The most recent flood loss with an insurance claim on file was on 2025-04-04, in FEMA data through 2026-09-08. Claims were filed in 5 of the 10 years to 2026 (11 claims).
- Has Ste. Genevieve County had a FEMA disaster declaration?
- Yes — Ste. Genevieve 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-4872-MO, declared 2025-05-21). Since 2024 there have been 1. See the full list with dates and aid programs →
- What flood zone is Ste. Genevieve County in?
- No single zone covers a whole county. Across 1,128 Ste. Genevieve County claims with a zone on file, the most common was Zone A1–A30 (75%), and 97% 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 29186, 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.