Missouri Home-Insurance Distress by County

Missouri reads moderate for home-insurance distress — 115 counties averaging 30/100, 22nd of 52 states.

6 of Missouri's 115 counties score 70 or higher (severe).

Missouri's reading rests on a FEMA hazard average of 34/100 and NFIP flood-claim stress of 30/100.

Over three years Missouri counties filed 549 NFIP flood claims, $19,938,820 paid.

Highest in Missouri: Reynolds County 78/100 (#407 US), Scott County 77/100 (#451 US), Howell County 74/100 (#530 US), Ripley County 74/100 (#541 US), New Madrid County 71/100 (#596 US).

Missouri counties by insurance band: 62 low (Missouri), 30 medium, 21 zero, 2 high; Missouri NFIP claims, three years: 549; Missouri payouts $19.9 million.

Missouri counties with the most NFIP claims: St. Louis 177 ($7.7 million); Jefferson 60 ($1.8 million); Lincoln 27 ($468,708) in Missouri; Jackson 27 ($710,269); Crawford 23 ($1.3 million).

Missouri county average rose: 26.6 in March 2026; Missouri reads 32.3 in October 2026; Missouri by month: March 26.6, April 26.6, May 25.6 (Missouri), June 25.6, July 29.9, August 31.4 (Missouri), September 31.7, October 32.3.

Highest Missouri ZIPs, insurance distress: 33955 81 (climate 94), 33976 47 (climate 99) in Missouri, 33971 47 (climate 99), 33972 47 (climate 99) in Missouri, 33905 47 (climate 99), 33907 47 (climate 99) in Missouri.

Reading the Missouri bands: 2 of 115 Missouri counties sit in a high or worse insurance band; Missouri filed 549 NFIP claims in three years, $19.9 million paid to Missouri policyholders; a Missouri county's band moves when FEMA hazard revisions, new Missouri NFIP settlements or carrier filings change its monthly score.