Flood insurance in Missouri: cost by ZIP code and county
Missouri has 9,620 single-family flood policies; the median bill was $1,095 on July 31, 2026, with large gaps around St. Louis.
Median single-family flood bill, Missouri
$1,095
9,620 policies in force on July 31, 2026, premium and fees included.
| Median full-risk price, same policies | $1,396 |
| Policies still below their full-risk price | 46 % |
| Median paid in August 2023 | $827 |
| Increase left from the median | 2 renewals at 18 % |
| Next five bills, added up | $6,863 |
| Median claim paid, 2016 to 2025 (3,423 claims) | $19,788 |
Compiled by Radif Partners · Where the numbers come from · 315 ZIP codes and 88 counties of Missouri in FEMA's tables · not a quote
The 9,620 single-family flood policies in force in Missouri on July 31, 2026 had a median yearly bill of $1,095, a total that includes the premium, the Reserve Fund Assessment, the HFIAA surcharge and the Federal Policy Fee. Priced at full risk, the median would be $1,396, and 46 % of policies still pay less than that. Prices vary widely inside the state. In Jefferson County, south of St. Louis, the median bill was $1,232 against a full-risk median of $3,264; in Scott County, in the Bootheel, policies cost a median $508 and were already near full price. Missouri claims are large: the median paid single-family claim from 2016 to 2025 was $19,788, and the late spring severe storms of 2017 alone produced 869 paid claims.
The rivers around St. Louis
Three counties around St. Louis hold the heart of Missouri's flood market. The Meramec River runs through St. Louis and Jefferson counties, where the USGS gauges it at Valley Park and Arnold. St. Louis County had 1,828 policies on July 31, 2026, St. Charles County 1,007 and Jefferson County 561. Together they paid 1,413 single-family claims for losses from 2016 to 2025.
They are also the counties furthest from full price. In St. Charles County, 63 % of policies were still capped, with a median bill of $1,361 and a full-risk median of $2,259. Jefferson County is further still: 76 % capped and a full-risk median more than double the bill paid. For an owner there, the yearly 18 % rise on a main home is likely to continue for years.
Compare a bill with the Missouri medians
Single-family flood policies in Missouri
$1,095
| Median full-risk price, same policies | $1,396 |
| Still below their full-risk price | 46 % |
| Median paid in August 2023 | $827 |
| Gap left from the bill entered | 2 renewals at 18 % |
The Bootheel: low bills, settled prices
The southeast corner of the state shows the opposite picture. Scott, Pemiscot and New Madrid counties belong to the state's Bootheel district, and their policies are among the cheapest in Missouri: Pemiscot County's median bill was $524, almost exactly its full-risk median of $525. FEMA prices each home from flood frequency, flood types, distance to flood sources, first floor height and the cost to rebuild, so a low bill reflects that model.
Across the state, FEMA's 2023 bands placed 37 % of Missouri single-family policies at a full-risk cost under $1,000 a year, close to the national 37 %.
What the big floods paid
The late spring severe storms of 2017 paid 869 claims and $40,266,607 on Missouri single-family homes, the largest event in the file. Late July Flooding in 2022 followed with 392 claims. Claims in A zones had a median of $20,180, and the 562 claims in X, B or C zones a median of $16,296.
On the Arkansas line, Taney County had the largest ratio of full-risk to current cost in FEMA's 2023 table. Jackson County, which includes Independence and part of Kansas City, sits between the extremes at $1,091. The waiting period guide explains why coverage bought during a spring flood watch usually starts too late.
The Missouri counties with the most policies
| County | Policies | Median bill | Full-risk median | Still below full risk | Renewals left at 18 % | Median bill, August 2023 | Median claim 2016-2025 |
|---|---|---|---|---|---|---|---|
| St. Louis County | 1,828 | $1,306 | $1,601 | 37 % | 2 | $988 | $16,865 |
| St. Charles County | 1,007 | $1,361 | $2,259 | 63 % | 4 | $885 | $23,384 |
| Scott County | 644 | $508 | $512 | 21 % | 1 | $470 | $16,598 |
| Jefferson County | 561 | $1,232 | $3,264 | 76 % | 7 | $840 | $22,815 |
| Jackson County | 466 | $1,091 | $1,261 | 42 % | 1 | $822 | $15,965 |
| Pemiscot County | 280 | $524 | $525 | 14 % | 1 | $484 | n/a |
| New Madrid County | 286 | $486 | $491 | 10 % | 1 | $468 | n/a |
| Butler County | 234 | $923 | $1,070 | 46 % | 1 | $743 | $14,437 |
Full-risk prices of Missouri homes, band by band
| Full risk-based price a year | Policies | Share | Median rebuild value |
|---|---|---|---|
| $0 to $1,000 | 4,327 | 36.9 % | $319,889 |
| $1,000 to $2,000 | 2,986 | 25.4 % | $352,250 |
| $2,000 to $3,000 | 1,786 | 15.2 % | $358,957 |
| $3,000 to $4,000 | 1,080 | 9.2 % | $371,745 |
| $4,000 to $5,000 | 621 | 5.3 % | $396,740 |
| $5,000 or more | 938 | 8.0 % |
The floods that paid the most Missouri claims since 2016
| Event (FEMA name) | Year | Paid claims | Paid in total |
|---|---|---|---|
| Late spring severe storms | 2017 | 869 | $40,266,607 |
| Late July Flooding | 2022 | 392 | $14,605,103 |
| Early winter storms | 2016 | 39 | $1,099,021 |