Flood insurance in St. Louis city, Missouri
How many buildings are insured against floods, what policies cost, and how much FEMA's flood insurance program has paid out, from official NFIP records.
Flood claims paid per year
NFIP claims paid in St. Louis city, 2000–2025
The three costliest years. The worst was 2022, with $1.7 million paid on 22 claims.
Insured buildings by flood zone
Zone not reported for 49% of policies; shares are of policies with a known zone.
Costliest flood events
Named events by NFIP claims paid in St. Louis city
| Event | Year | Claims | Paid |
|---|---|---|---|
| Midwest Flooding | 1993 | 238 | $3.8 million |
| Late July Flooding | 2022 | 18 | $1.6 million |
| Not a named storm | 1982 | 38 | $239 thousand |
| Late spring storms | 2011 | 4 | $213 thousand |
| Early winter storms | 2016 | 2 | $110 thousand |
Common questions
How much does flood insurance cost in St. Louis city?
The average NFIP flood insurance policy in St. Louis city costs about $2,717 a year. The Missouri average is $1,482. Your own premium depends on your building's flood risk, elevation and the coverage you choose.
How many homes have flood insurance in St. Louis city?
There are about 235 National Flood Insurance Program policies in force in St. Louis city, according to FEMA's latest policy data. Private flood policies are not included.
How often does St. Louis city flood?
Since 1978, NFIP policyholders in St. Louis city have filed 739 flood claims, with $10.1 million paid out. 40 of those claims were in the last 10 years.
Does homeowners insurance cover flooding?
No. Standard homeowners and renters insurance policies exclude flood damage. You need a separate flood policy from the NFIP or a private insurer.
How long until a new flood policy starts?
NFIP policies usually have a 30-day waiting period, so buying when a storm is already forecast is normally too late. Exceptions apply, for example when a lender requires the policy at closing.
How to get flood insurance
Most flood policies are sold through the National Flood Insurance Program by regular insurance agents. Ask the agent who handles your home or car insurance, or find one through FloodSmart.gov, FEMA's official flood insurance site. Private flood insurers also sell policies in many areas and are worth comparing.