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Stoddard County, MO flood insurance claims history
102 claims under the National Flood Insurance Program on file for flood losses in Stoddard County since 1979, with $1.1M paid. The worst year was 2011 with 48 claims. Stoddard County ranks #50 of 107 in Missouri by claim count.
What the Stoddard County record shows
- 16% of claims with a zone on file came from outside FEMA's high-risk zones.
- 45% of all claims trace to one event, Mid-spring storms (2011), which paid $595K here.
- 2011 alone produced 47% of the claims on file.
- 2016–2025 brought 11 claims, 86% fewer than 2006–2015 (77). Counts also move with how many buildings held a policy.
- The average paid claim is $13K, below the Missouri average of $23K (nominal dollars).
- ZIP codes 63960, 63735 and 63730 hold 67% of claims, out of 13 ZIP codes with any.
- March through May accounts for 85% of losses.
- Cape Girardeau County has the most claims among its neighbors (1,074, against 102 here).
NFIP claims
102
1979–2025
Total paid
$1.1M
nominal dollars, not inflation-adjusted
Claims paid
79%
81 received a payment
Average payout
$13K
per paid claim
Last 10 years
10
claims 2017 – 2026
Most recent loss
2025-03-01
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: 48 claims in 2011
Biggest flood events in Stoddard County
| Flood event (FEMA name) | Claims | Paid | Avg / claim | Year |
|---|---|---|---|---|
| Mid-spring storms | 46 | $595K | $13K | 2011 |
| March storm | 17 | $160K | $9K | 2008 |
| Late spring severe storms | 2 | $65K | $33K | 2017 |
| Midwest Flooding | 1 | $15K | $15K | 1993 |
| Flooding (FEMA general label) | 1 | $28K | $28K | 1995 |
| Not a named storm | 1 | $132 | $132 | 1982 |
| Mid-spring storms | 1 | $6K | $6K | 2014 |
68% of claims here fall under these 7 entries.How to read these labels.
Federal disaster declarations for Stoddard County
Stoddard County has been a designated area in 26 declarations since 1973, 23 of them for flooding, storms or hurricanes. Since 2024 it has been included in 3: 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 |
|---|---|---|---|---|---|
| 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 |
| 2020-07-09 | DR-4552-MO major disaster | Severe Storm | Severe Storms, Tornadoes, Straight-Line Winds, and Flooding | 2020-05-03 → 2020-05-04 | 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 |
| 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 | 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 |
| 2008-03-19 | 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 |
| 2006-04-05 | DR-1635-MO major disaster | Severe Storm | Severe Storms, Tornadoes, and Flooding | 2006-03-30 → 2006-04-03 | 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, Hazard Mitigation |
| 1993-12-01 | DR-1006-MO major disaster | Severe Storm | Severe Storms, Tornadoes, and Flooding | 1993-11-13 → 1993-11-19 | 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 |
| 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 Stoddard County itself are listed. 12 of these 26 opened Individual Assistance here. What a declaration does and does not pay for.
Flood zones in Stoddard County: which ones the claims came from
High-risk A zones: 78 (76%)Coastal high-risk V zones: 0 (0%)Moderate / low-risk zones (B, C, X): 15 (15%)Zone not recorded: 9 (9%)
The most common zone on Stoddard County claims is Zone A — 62 of 93 claims with a zone on file (67%). 84% were in a high-risk Special Flood Hazard Area.
| Flood zone at rating | Claims | Share | Paid | Avg / claim |
|---|---|---|---|---|
| Zone A · high risk, insurance required | 62 | 67% | $673K | $11K |
| Zone X · moderate / low risk | 11 | 12% | $74K | $7K |
| Zone A1–A30 · high risk, insurance required | 10 | 11% | $52K | $5K |
| Zone C · moderate / low risk | 4 | 4% | $38K | $9K |
| Zone AO · high risk, insurance required | 2 | 2% | $0 | $0 |
| Zone AE · high risk, insurance required | 2 | 2% | $43K | $22K |
| Zone AH · high risk, insurance required | 2 | 2% | $205 | $103 |
9 Stoddard 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 |
|---|---|---|
| Accumulation of rainfall or snowmelt | 46 | 45% |
| Stream, river or lake overflow | 45 | 44% |
| Other causes | 5 | 5% |
| Tidal water overflow (storm surge) | 3 | 3% |
| Not recorded | 3 | 3% |
Flood claims by ZIP code in Stoddard County
13 ZIP codes with at least one claim FEMA assigned to Stoddard County.
| 63960 | 37 | $486K | 36% | 12 | 2017 |
| 63735 | 16 | $199K | 16% | 4 | 2011 |
| 63730 | 15 | $149K | 15% | 6 | 2020 |
| 63825 | 8 | $90K | 8% | 4 | 2017 |
| 63936 | 6 | $14K | 6% | 3 | 2011 |
| 63801 | 5 | $3K | 5% | 1 | 2011 |
| 63841 | 5 | $18K | 5% | 3 | 2025 |
| 63846 | 3 | $12K | 3% | 2 | 2018 |
| 63822 | 3 | $71K | 3% | 3 | 2019 |
| 63870 | 1 | $0 | 1% | 1 | 2011 |
| 63932 | 1 | $7K | 1% | 1 | 2011 |
| 63868 | 1 | $17K | 1% | 1 | 2011 |
| 63771 | 1 | $0 | 1% | 1 | 2002 |
When does Stoddard County flood?
April accounts for the most flood losses (45 claims, 44%). Claims by month of loss:
| Month | Claims | Share |
|---|---|---|
| January | 3 | 3% |
| February | 2 | 2% |
| March | 24 | 24% |
| April | 45 | 44% |
| May | 18 | 18% |
| June | 1 | 1% |
| July | 1 | 1% |
| August | 1 | 1% |
| September | 1 | 1% |
| October | 1 | 1% |
| November | 4 | 4% |
| December | 1 | 1% |
Year-by-year detail
| Year of loss | Claims | Paid |
|---|---|---|
| 2025 | 1 | $0 |
| 2020 | 1 | $0 |
| 2019 | 1 | $65K |
| 2018 | 1 | $0 |
| 2017 | 6 | $119K |
| 2016 | 1 | $0 |
| 2015 | 1 | $14K |
| 2014 | 1 | $6K |
| 2012 | 1 | $7K |
| 2011 | 48 | $598K |
| 2010 | 1 | $0 |
| 2009 | 1 | $0 |
| 2008 | 23 | $191K |
| 2006 | 1 | $3K |
| 2003 | 1 | $114 |
| 2002 | 2 | $0 |
| 1999 | 1 | $4K |
| 1997 | 1 | $4K |
| 1995 | 1 | $28K |
| 1994 | 1 | $764 |
| 1993 | 1 | $15K |
| 1991 | 3 | $3K |
| 1983 | 1 | $5K |
| 1982 | 1 | $132 |
| 1979 | 1 | $0 |
Neighboring counties
| Neighbor | Claims | Paid | Outside high-risk |
|---|---|---|---|
| Stoddard County (this page) | 102 | $1.1M | 16% |
| Cape Girardeau County | 1,074 | $11.2M | 13% |
| Butler County | 517 | $10.1M | 12% |
| Scott County | 484 | $4.4M | 11% |
| New Madrid County | 202 | $3.0M | 21% |
| Wayne County | 141 | $3.2M | 9% |
| Bollinger County | 116 | $2.3M | 18% |
| Dunklin County | 58 | $399K | 25% |
All 107 Missouri counties → · County and ZIP rankings →
Common questions about flooding in Stoddard County
- Has Stoddard County flooded recently?
- The most recent flood loss with an insurance claim on file was on 2025-03-01, in FEMA data through 2026-09-08. Claims were filed in 5 of the 10 years to 2026 (10 claims).
- Has Stoddard County had a FEMA disaster declaration?
- Yes — Stoddard County has been named a designated area in 26 federal disaster declarations since 1973. The most recent is Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (DR-4872-MO, declared 2025-05-21), which opened Individual Assistance here. Since 2024 there have been 3. See the full list with dates and aid programs →
- What flood zone is Stoddard County in?
- No single zone covers a whole county. Across 93 Stoddard County claims with a zone on file, the most common was Zone A (67%), and 84% 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 29207, 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.