Published NFIP policy and loss records, alongside a way to check the map.
Average annual premium and federal policy fee per policy unit
$1,476
As of 2026-08-31. A portfolio average, not a quote for a home.
Policies in force, including condo units
14,219
Cumulative recorded losses
51,304
Net dollars paid
$982,812,861
Cumulative losses in the HUDEX report through August 31, 2026. Loss counts include claims closed without payment. No annual series or first loss year is stated in this report.
These are insured policy units grouped by their rated zones, not a percentage of the state’s land or homes.
NFIP rated zone groups, 2026-08-31
Rated group
Policy units
Share of insured units
All A zones combined
10,109
71.1%
Zone D
19
0.1%
Unknown or invalid rated zone
148
1.0%
X, B and C zones combined
3,943
27.7%
Largest recorded loss years
Published net claim payments from 1978 through 2026, grouped by year of loss. Dollar amounts are nominal. The 2026-09-08 OpenFEMA claims release is a separate population from the policy workbook above.
All published years and net payments
Missouri claims history
Year of loss
Net payments
1978
$503,456
1979
$17,073,180
1980
$203,720
1981
$1,586,083
1982
$34,156,359
1983
$15,112,105
1984
$5,759,110
1985
$6,999,004
1986
$19,932,098
1987
$193,053
1988
$60,220
1989
$284,653
1990
$12,721,669
1991
$2,183,545
1992
$562,959
1993
$208,029,982
1994
$24,935,983
1995
$18,492,871
1996
$5,484,740
1997
$1,315,229
1998
$14,102,767
1999
$4,243,388
2000
$5,922,693
2001
$4,829,016
2002
$6,265,380
2003
$2,446,270
2004
$3,281,376
2005
$1,116,974
2006
$1,415,582
2007
$11,426,296
2008
$113,360,160
2009
$4,163,113
2010
$17,002,463
2011
$52,995,577
2012
$55,294
2013
$19,973,798
2014
$3,699,444
2015
$82,610,570
2016
$10,126,585
2017
$80,043,586
2018
$2,615,702
2019
$74,472,995
2020
$11,231,475
2021
$4,638,927
2022
$52,733,522
2023
$2,511,067
2024
$13,495,611
2025
$4,474,379
2026
$1,968,830
Records without payment are included in counts. Missing county records are retained in national controls and are not allocated to counties. OpenFEMA NFIP redacted claims V3.
Data and methodology
Complete official HUDEX report, summed across its community rows within each geocoded county FIPS. Policy Count includes condominium units under master policies. Average premium is Total Premium + Federal Policy Fee divided by Policy Count; this is an aggregate per policy unit, not a property quote. Loss counts include losses closed without payment. Total Net Dollars Paid is cumulative in this report, including the source's adjustments. The report does not specify the first loss year or split losses by year, so a starting year and annual breakdown are not inferred. Unassigned county records are retained in state totals separately. No record sampling.
Essential security caching works without cookies. Optional ads and analytics are off by default. Save your preference for any optional services enabled later.
