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Stone County, MO flood insurance claims history
75 claims under the National Flood Insurance Program on file for flood losses in Stone County since 1990, with $2.1M paid. The worst year was 2008 with 23 claims. Stone County ranks #55 of 107 in Missouri by claim count.
What the Stone County record shows
- 37% of claims with a zone on file came from outside FEMA's high-risk zones, well above the 14% across Missouri.
- 21% of all claims trace to one event, Late spring severe storms (2017), which paid $777K here.
- 2008 alone produced 31% of the claims on file.
- 2016–2025 brought 21 claims, 55% fewer than 2006–2015 (47). Counts also move with how many buildings held a policy.
- The average paid claim is $37K, above the Missouri average of $23K (nominal dollars).
- 24% of claims closed without a payment, against 15% statewide.
- ZIP codes 65656, 65737 and 65633 hold 75% of claims, out of 12 ZIP codes with any.
- March through May accounts for 57% of losses.
- Taney County has the most claims among its neighbors (400, against 75 here).
NFIP claims
75
1990–2021
Total paid
$2.1M
nominal dollars, not inflation-adjusted
Claims paid
76%
57 received a payment
Average payout
$37K
per paid claim
Last 10 years
21
claims 2017 – 2026
Most recent loss
2021-04-28
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: 23 claims in 2008
Biggest flood events in Stone County
| Flood event (FEMA name) | Claims | Paid | Avg / claim | Year |
|---|---|---|---|---|
| Late spring severe storms | 16 | $777K | $49K | 2017 |
| Early winter storms | 13 | $243K | $19K | 2015 |
| March storm | 13 | $457K | $35K | 2008 |
| Mid-spring storms | 6 | $110K | $18K | 2011 |
| Hurricane Ike | 5 | $50K | $10K | 2008 |
| Midwest Flooding | 1 | $2K | $2K | 1993 |
72% of claims here fall under these 6 entries.How to read these labels.
Federal disaster declarations for Stone County
Stone County has been a designated area in 24 declarations since 1973, 21 of them for flooding, storms or hurricanes. None since 2024 — the most recent was DR-4490-MO (2020-03-26).
| Declared | FEMA number | Incident | Declared for | Dates of the incident | Aid unlocked here |
|---|---|---|---|---|---|
| 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 |
| 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 |
| 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 | Public Assistance, Hazard Mitigation |
| 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 | Individual Assistance, Public 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 | Individual Assistance, Public Assistance, Hazard Mitigation |
| 2008-02-05 | DR-1742-MO major disaster | Severe Storm | Severe Storms, Tornadoes, and Flooding | 2008-01-07 → 2008-01-10 | 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 |
| 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 |
| 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 |
| 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 |
| 1993-07-09 | DR-995-MO major disaster | Flood | Severe Storms & Flooding | 1993-06-10 → 1993-10-25 | 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 |
OpenFEMA data through 2026-11-02; only declarations naming Stone County itself are listed. 12 of these 24 opened Individual Assistance here. What a declaration does and does not pay for.
Flood zones in Stone County: which ones the claims came from
High-risk A zones: 44 (59%)Coastal high-risk V zones: 0 (0%)Moderate / low-risk zones (B, C, X): 26 (35%)Zone not recorded: 5 (7%)
The most common zone on Stone County claims is Zone A — 42 of 70 claims with a zone on file (60%). 63% were in a high-risk Special Flood Hazard Area.
| Flood zone at rating | Claims | Share | Paid | Avg / claim |
|---|---|---|---|---|
| Zone A · high risk, insurance required | 42 | 60% | $1.1M | $26K |
| Zone C · moderate / low risk | 15 | 21% | $594K | $40K |
| Zone X · moderate / low risk | 11 | 16% | $248K | $23K |
| Zone AE · high risk, insurance required | 2 | 3% | $81K | $41K |
5 Stone 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 | 37 | 49% |
| Accumulation of rainfall or snowmelt | 25 | 33% |
| Other causes | 9 | 12% |
| Tidal water overflow (storm surge) | 2 | 3% |
| Not recorded | 2 | 3% |
Flood claims by ZIP code in Stone County
12 ZIP codes with at least one claim FEMA assigned to Stone County.
| 65656 | 29 | $1.0M | 39% | 5 | 2021 |
| 65737 | 18 | $586K | 24% | 9 | 2021 |
| 65633 | 9 | $89K | 12% | 4 | 2020 |
| 65669 | 4 | $110K | 5% | 2 | 2017 |
| 65747 | 2 | $21K | 3% | 2 | 2018 |
| 65728 | 2 | $34K | 3% | 2 | 2021 |
| 65631 | 2 | $78K | 3% | 2 | 2017 |
| 65714 | 2 | $34K | 3% | 2 | 2011 |
| 65686 | 2 | $27K | 3% | 1 | 2011 |
| 65757 | 2 | $63K | 3% | 1 | 2008 |
| 65681 | 2 | $79K | 3% | 2 | 2017 |
| 65721 | 1 | $0 | 1% | 1 | 1994 |
When does Stone County flood?
April accounts for the most flood losses (23 claims, 31%). Claims by month of loss:
| Month | Claims | Share |
|---|---|---|
| January | 0 | 0% |
| February | 1 | 1% |
| March | 13 | 17% |
| April | 23 | 31% |
| May | 7 | 9% |
| June | 8 | 11% |
| July | 5 | 7% |
| August | 0 | 0% |
| September | 5 | 7% |
| October | 0 | 0% |
| November | 0 | 0% |
| December | 13 | 17% |
Year-by-year detail
| Year of loss | Claims | Paid |
|---|---|---|
| 2021 | 3 | $60K |
| 2020 | 1 | $0 |
| 2018 | 1 | $21K |
| 2017 | 16 | $777K |
| 2015 | 16 | $314K |
| 2011 | 7 | $110K |
| 2010 | 1 | $0 |
| 2008 | 23 | $743K |
| 2002 | 3 | $99K |
| 1994 | 1 | $0 |
| 1993 | 1 | $2K |
| 1992 | 1 | $3K |
| 1990 | 1 | $1K |
Neighboring counties
| Neighbor | Claims | Paid | Outside high-risk |
|---|---|---|---|
| Stone County (this page) | 75 | $2.1M | 37% |
| Taney County | 400 | $18.5M | 15% |
| Christian County | 78 | $2.9M | 47% |
| Barry County | 53 | $2.1M | 19% |
| Lawrence County | 34 | $657K | 39% |
All 107 Missouri counties → · County and ZIP rankings →
Common questions about flooding in Stone County
- Has Stone County flooded recently?
- The most recent flood loss with an insurance claim on file was on 2021-04-28, in FEMA data through 2026-09-08. Claims were filed in 4 of the 10 years to 2026 (21 claims).
- Has Stone County had a FEMA disaster declaration?
- Yes — Stone County has been named a designated area in 24 federal disaster declarations since 1973. The most recent is COVID-19 Pandemic (DR-4490-MO, declared 2020-03-26), which opened Individual Assistance here. There have been none since 2024. See the full list with dates and aid programs →
- What flood zone is Stone County in?
- No single zone covers a whole county. Across 70 Stone County claims with a zone on file, the most common was Zone A (60%), and 63% 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 29209, 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.