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Wayne County, MO flood insurance claims history

141 claims under the National Flood Insurance Program on file for flood losses in Wayne County since 1982, with $3.2M paid. The worst year was 2008 with 65 claims. Wayne County ranks #41 of 107 in Missouri by claim count.

What the Wayne County record shows

9% of claims with a zone on file came from outside FEMA's high-risk zones.
45% of all claims trace to one event, March storm (2008), which paid $1.9M here.
Per claim, the costliest named event was Late spring severe storms (2017), averaging $86K across 6 claims.
2008 alone produced 46% of the claims on file.
2016–2025 brought 16 claims, 80% fewer than 2006–2015 (80). Counts also move with how many buildings held a policy.
ZIP codes 63957, 63967 and 63964 hold 89% of claims, out of 10 ZIP codes with any.
March through May accounts for 82% of losses.
Butler County has the most claims among its neighbors (517, against 141 here).

NFIP claims

141

1982–2025

Total paid

$3.2M

nominal dollars, not inflation-adjusted

Claims paid

82%

115 received a payment

Average payout

$28K

per paid claim

Last 10 years

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: 65 claims in 2008

'85

'90

'95

'00

'05

'10

'15

'20

'25

Biggest flood events in Wayne County

Flood event (FEMA name)	Claims	Paid	Avg / claim	Year
March storm	64	$1.9M	$30K	2008
Mid-spring storms	13	$258K	$20K	2011
Late spring severe storms	6	$513K	$86K	2017
Central U.S. April Flooding	4	$19K	$5K	2025
Early winter storms	1	$0	$0	2015
Flooding (FEMA general label)	1	$9K	$9K	1982
Not a named storm	1	$22K	$22K	1982

64% of claims here fall under these 7 entries.How to read these labels.

Federal disaster declarations for Wayne County

Wayne County has been a designated area in 28 declarations since 1973, 25 of them for flooding, storms or hurricanes. Since 2024 it has been included in 3: Severe Storms, Straight-Line Winds, and Flooding (DR-4939-MO, 2026), Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (DR-4872-MO, 2025), Severe Storms, Straight-Line Winds, Tornadoes, and Wildfires (DR-4867-MO, 2025).

Declared	FEMA number	Incident	Declared for	Dates of the incident	Aid unlocked here
2026-09-01	DR-4939-MO major disaster	Severe Storm	Severe Storms, Straight-Line Winds, and Flooding	2026-07-09 → 2026-07-11	Public Assistance
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	Individual Assistance, 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
2022-01-10	DR-4636-MO major disaster	Severe Storm	Severe Storms, Straight-Line Winds, and Tornadoes	2021-12-10	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
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
2016-01-02	EM-3374-MO emergency	Flood	Severe Storms, Tornadoes, Straight-Line Winds, and Flooding	2015-12-22 → 2016-01-09	Public Assistance
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	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
2005-09-10	EM-3232-MO emergency	Hurricane	Hurricane Katrina Evacuation	2005-08-29 → 2005-10-01	Public Assistance
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, Public Assistance
1993-07-09	DR-995-MO major disaster	Flood	Severe Storms & Flooding	1993-06-10 → 1993-10-25	Individual Assistance
1982-12-10	DR-672-MO major disaster	Flood	Severe Storms and Flooding	1982-12-10	Individual Assistance, Public Assistance
1976-09-24	EM-3017-MO emergency	Drought	Drought	1976-09-24	Public Assistance
1976-07-21	DR-516-MO major disaster	Flood	Severe Storms & Flooding	1976-07-21	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 Wayne County itself are listed. 12 of these 28 opened Individual Assistance here. What a declaration does and does not pay for.

Flood zones in Wayne County: which ones the claims came from

High-risk A zones: 109 (77%)Coastal high-risk V zones: 0 (0%)Moderate / low-risk zones (B, C, X): 11 (8%)Zone not recorded: 21 (15%)

The most common zone on Wayne County claims is Zone A — 73 of 120 claims with a zone on file (61%). 91% were in a high-risk Special Flood Hazard Area.

Flood zone at rating	Claims	Share	Paid	Avg / claim
Zone A · high risk, insurance required	73	61%	$1.5M	$21K
Zone AE · high risk, insurance required	33	28%	$953K	$29K
Zone X · moderate / low risk	11	9%	$531K	$48K
Zone A1–A30 · high risk, insurance required	3	3%	$57K	$19K

21 Wayne 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	72	51%
Accumulation of rainfall or snowmelt	50	35%
Tidal water overflow (storm surge)	14	10%
Other causes	4	3%
Not recorded	1	1%

Flood claims by ZIP code in Wayne County

10 ZIP codes with at least one claim FEMA assigned to Wayne County.


63957	100	$2.6M	71%	12	2025
63967	21	$330K	15%	6	2016
63964	4	$37K	3%	4	2023
63950	4	$91K	3%	3	2017
63944	3	$18K	2%	3	2016
63457	2	$0	1%	1	1983
63956	2	$68K	1%	2	2008
63952	2	$8K	1%	1	2011
63966	2	$10K	1%	1	2011
63757	1	$923	1%	1	1983

When does Wayne County flood?

March accounts for the most flood losses (64 claims, 45%). Claims by month of loss:

Month	Claims	Share
January	4	3%
February	2	1%
March	64	45%
April	39	28%
May	12	9%
June	2	1%
July	0	0%
August	4	3%
September	0	0%
October	0	0%
November	11	8%
December	3	2%

Year-by-year detail

Year of loss	Claims	Paid
2025	4	$19K
2023	1	$23K
2019	1	$0
2017	7	$518K
2016	3	$21K
2015	1	$0
2011	13	$258K
2009	1	$0
2008	65	$1.9M
2005	7	$95K
2002	6	$96K
1999	1	$35K
1998	2	$2K
1995	1	$0
1993	8	$86K
1989	1	$7K
1983	17	$57K
1982	2	$31K

Neighboring counties

Neighbor	Claims	Paid	Outside high-risk
Wayne County (this page)	141	$3.2M	9%
Butler County	517	$10.1M	12%
Madison County	155	$2.6M	38%
Reynolds County	141	$3.0M	13%
Carter County	123	$5.4M	13%
Bollinger County	116	$2.3M	18%
Stoddard County	102	$1.1M	16%
Iron County	59	$409K	15%

All 107 Missouri counties → · County and ZIP rankings →

Common questions about flooding in Wayne County

Has Wayne 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 4 of the 10 years to 2026 (13 claims).
Has Wayne County had a FEMA disaster declaration?: Yes — Wayne County has been named a designated area in 28 federal disaster declarations since 1973. The most recent is Severe Storms, Straight-Line Winds, and Flooding (DR-4939-MO, declared 2026-09-01). Since 2024 there have been 3. See the full list with dates and aid programs →
What flood zone is Wayne County in?: No single zone covers a whole county. Across 120 Wayne County claims with a zone on file, the most common was Zone A (61%), 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 29223, 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.