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Warren County, MO flood insurance claims history
102 claims under the National Flood Insurance Program on file for flood losses in Warren County since 1986, with $2.3M paid. The worst year was 1993 with 55 claims. Warren County ranks #49 of 107 in Missouri by claim count.
What the Warren County record shows
- 9% of claims with a zone on file came from outside FEMA's high-risk zones.
- 40% of all claims trace to one event, Midwest Flooding (1993), which paid $760K here.
- 1993 alone produced 54% of the claims on file.
- Claims came in just 3 of the 10 years to 2026.
- ZIP codes 63357, 63383 and 65041 hold 93% of claims, out of 6 ZIP codes with any.
- May through July accounts for 69% of losses.
- St. Charles County has the most claims among its neighbors (9,999, against 102 here).
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
Biggest flood events in Warren County
| Flood event (FEMA name) | Claims | Paid | Avg / claim | Year |
|---|---|---|---|---|
| Midwest Flooding | 41 | $760K | $19K | 1993 |
| Flooding (FEMA general label) | 25 | $168K | $7K | 1995 |
| Flooding (FEMA general label) | 6 | $65K | $11K | 1986 |
| Late spring severe storms | 3 | $124K | $41K | 2017 |
| Flooding (FEMA general label) | 2 | $11K | $6K | 1990 |
| Early winter storms | 1 | $0 | $0 | 2015 |
| Flooding (FEMA general label) | 1 | $2K | $2K | 1994 |
77% of claims here fall under these 7 entries.How to read these labels.
Federal disaster declarations for Warren County
Warren County has been a designated area in 17 declarations since 1973, 14 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 |
| 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 |
| 2008-03-19 | DR-1749-MO major disaster | Severe Storm | Severe Storms and Flooding | 2008-03-17 → 2008-05-09 | Public Assistance |
| 2007-12-27 | DR-1736-MO major disaster | Severe Ice Storm | Severe Winter Storms | 2007-12-06 → 2007-12-15 | 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 |
| 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 |
| 1993-07-09 | DR-995-MO major disaster | Flood | Severe Storms & Flooding | 1993-06-10 → 1993-10-25 | Individual Assistance, Public Assistance |
| 1986-10-14 | DR-779-MO major disaster | Flood | Severe Storms & Flooding | 1986-09-18 → 1986-10-15 | 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 Warren County itself are listed. 6 of these 17 opened Individual Assistance here. What a declaration does and does not pay for.
Flood zones in Warren County: which ones the claims came from
The most common zone on Warren County claims is Zone A1–A30 — 57 of 102 claims with a zone on file (56%). 91% 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 | 57 | 56% | $707K | $12K |
| Zone A · high risk, insurance required | 23 | 23% | $167K | $7K |
| Zone AE · high risk, insurance required | 13 | 13% | $352K | $27K |
| Zone X · moderate / low risk | 4 | 4% | $1.0M | $252K |
| Zone B · moderate / low risk | 3 | 3% | $37K | $12K |
| Zone C · moderate / low risk | 2 | 2% | $37K | $19K |
Which zones require flood insurance →
What caused the flooding
| Cause of damage (as coded by FEMA) | Claims | Share |
|---|---|---|
| Stream, river or lake overflow | 71 | 70% |
| Accumulation of rainfall or snowmelt | 24 | 24% |
| Other causes | 4 | 4% |
| Not recorded | 2 | 2% |
| Alluvial fan overflow | 1 | 1% |
Flood claims by ZIP code in Warren County
6 ZIP codes with at least one claim FEMA assigned to Warren County.
| 63357 | 78 | $1.2M | 76% | 5 | 2017 |
| 63383 | 11 | $1.0M | 11% | 8 | 2021 |
| 65041 | 6 | $3K | 6% | 2 | 1995 |
| 63342 | 4 | $70K | 4% | 2 | 1995 |
| 63390 | 2 | $20K | 2% | 2 | 1993 |
| 63348 | 1 | $0 | 1% | 1 | 2008 |
When does Warren County flood?
July accounts for the most flood losses (36 claims, 35%). Claims by month of loss:
| Month | Claims | Share |
|---|---|---|
| January | 0 | 0% |
| February | 0 | 0% |
| March | 0 | 0% |
| April | 6 | 6% |
| May | 33 | 32% |
| June | 1 | 1% |
| July | 36 | 35% |
| August | 8 | 8% |
| September | 10 | 10% |
| October | 7 | 7% |
| November | 0 | 0% |
| December | 1 | 1% |
Year-by-year detail
| Year of loss | Claims | Paid |
|---|---|---|
| 2021 | 1 | $500K |
| 2019 | 1 | $507K |
| 2017 | 3 | $124K |
| 2015 | 1 | $0 |
| 2008 | 2 | $2K |
| 1995 | 26 | $204K |
| 1994 | 5 | $13K |
| 1993 | 55 | $883K |
| 1990 | 2 | $11K |
| 1986 | 6 | $65K |
Neighboring counties
| Neighbor | Claims | Paid | Outside high-risk |
|---|---|---|---|
| Warren County (this page) | 102 | $2.3M | 9% |
| St. Charles County | 9,999 | $155.9M | 5% |
| Lincoln County | 2,253 | $37.1M | 4% |
| Franklin County | 1,097 | $32.2M | 12% |
| Gasconade County | 445 | $8.1M | 10% |
| Montgomery County | 126 | $1.3M | 3% |
All 107 Missouri counties → · County and ZIP rankings →
Common questions about flooding in Warren County
- Has Warren County flooded recently?
- The most recent flood loss with an insurance claim on file was on 2021-06-26, in FEMA data through 2026-09-08. Claims were filed in 3 of the 10 years to 2026 (5 claims).
- Has Warren County had a FEMA disaster declaration?
- Yes — Warren County has been named a designated area in 17 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 Warren County in?
- No single zone covers a whole county. Across 102 Warren County claims with a zone on file, the most common was Zone A1–A30 (56%), and 91% 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 29219, 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.