ZIP Codes with Highest Flood Risk in Missouri

Out of 674 ZIP codes with data in Missouri, these are the highest-ranked areas for flood claims. See also: National ZIP Codes with Highest Flood Risk | All Missouri Rankings

Statistic	Value
ZIP codes ranked	674
Highest value	5,265 claims
Median value	10 claims
State	Missouri

Top 100 Worst ZIP Codes

Rank	ZIP Code	City	State	Flood Claims	Safety Score
1	63301	Saint Charles	MO	5,265 claims	40/100
2	63088	Valley Park	MO	2,250 claims	40/100
3	63386	West Alton	MO	2,078 claims	40/100
4	63026	Fenton	MO	1,311 claims	61/100
5	63010	Arnold	MO	1,217 claims	55/100
6	63025	Eureka	MO	1,208 claims	62/100
7	63130	Saint Louis	MO	1,112 claims	40/100
8	63373	Portage Des Sioux	MO	1,109 claims	63/100
9	64437	Craig	MO	1,085 claims	48/100
10	63670	Sainte Genevieve	MO	998 claims	45/100
11	63701	Cape Girardeau	MO	777 claims	67/100
12	63343	Elsberry	MO	774 claims	67/100
13	63144	Saint Louis	MO	675 claims	45/100
14	63128	Saint Louis	MO	566 claims	45/100
15	63129	Saint Louis	MO	560 claims	45/100
16	63069	Pacific	MO	533 claims	55/100
17	63016	Cedar Hill	MO	502 claims	63/100
18	63347	Foley	MO	468 claims	45/100
19	63336	Clarksville	MO	453 claims	65/100
20	63389	Winfield	MO	437 claims	67/100
21	63376	Saint Peters	MO	400 claims	45/100
22	63401	Hannibal	MO	389 claims	59/100
23	63125	Saint Louis	MO	388 claims	45/100
24	64484	Rushville	MO	386 claims	55/100
25	65101	Jefferson City	MO	381 claims	68/100
26	63901	Poplar Bluff	MO	373 claims	76/100
27	63031	Florissant	MO	372 claims	45/100
28	63135	Saint Louis	MO	363 claims	45/100
29	63303	Saint Charles	MO	363 claims	45/100
30	63042	Hazelwood	MO	360 claims	45/100
31	63019	Crystal City	MO	344 claims	65/100
32	63136	Saint Louis	MO	338 claims	45/100
33	63366	O Fallon	MO	333 claims	64/100
34	63369	Old Monroe	MO	312 claims	45/100
35	63124	Saint Louis	MO	303 claims	45/100
36	64854	Noel	MO	288 claims	68/100
37	63122	Saint Louis	MO	285 claims	45/100
38	63114	Saint Louis	MO	269 claims	45/100
39	63123	Saint Louis	MO	267 claims	45/100
40	65041	Hermann	MO	263 claims	57/100
41	63801	Sikeston	MO	262 claims	80/100
42	64130	Kansas City	MO	261 claims	55/100
43	63330	Annada	MO	249 claims	45/100
44	63051	House Springs	MO	248 claims	68/100
45	63935	Doniphan	MO	244 claims	60/100
46	63005	Chesterfield	MO	240 claims	51/100
47	63775	Perryville	MO	219 claims	54/100
48	63353	Louisiana	MO	216 claims	56/100
49	63673	Saint Mary	MO	198 claims	50/100
50	64129	Kansas City	MO	188 claims	60/100
51	63074	Saint Ann	MO	186 claims	50/100
52	63050	Hillsboro	MO	184 claims	72/100
53	64052	Independence	MO	183 claims	60/100
54	63012	Barnhart	MO	182 claims	73/100
55	63845	East Prairie	MO	181 claims	84/100
56	65616	Branson	MO	180 claims	71/100
57	63137	Saint Louis	MO	179 claims	50/100
58	64425	Holt County	MO	179 claims	—
59	63121	Saint Louis	MO	178 claims	50/100
60	65401	Rolla	MO	172 claims	72/100
61	64119	Kansas City	MO	171 claims	60/100
62	64118	Kansas City	MO	166 claims	60/100
63	63143	Saint Louis	MO	163 claims	50/100
64	64024	Excelsior Springs	MO	157 claims	60/100
65	63023	Dittmer	MO	156 claims	66/100
66	63033	Florissant	MO	155 claims	50/100
67	65672	Hollister	MO	155 claims	68/100
68	63020	De Soto	MO	150 claims	72/100
69	64633	Carrollton	MO	145 claims	70/100
70	63132	Saint Louis	MO	144 claims	50/100
71	63077	Saint Clair	MO	142 claims	50/100
72	63127	Saint Louis	MO	140 claims	50/100
73	64108	Kansas City	MO	140 claims	60/100
74	63028	Festus	MO	138 claims	73/100
75	64114	Kansas City	MO	138 claims	60/100
76	63645	Fredericktown	MO	137 claims	72/100
77	65583	Waynesville	MO	136 claims	67/100
78	63304	Saint Charles	MO	134 claims	50/100
79	63052	Imperial	MO	132 claims	70/100
80	65022	Cole County	MO	131 claims	—
81	63021	Ballwin	MO	130 claims	40/100
82	63116	Saint Louis	MO	123 claims	50/100
83	63049	High Ridge	MO	118 claims	72/100
84	64421	Amazonia	MO	116 claims	58/100
85	63011	Ballwin	MO	112 claims	40/100
86	63119	Saint Louis	MO	111 claims	50/100
87	63965	Van Buren	MO	111 claims	73/100
88	64133	Kansas City	MO	110 claims	60/100
89	65069	Rhineland	MO	110 claims	72/100
90	64035	Hardin	MO	109 claims	70/100
91	63111	Saint Louis	MO	105 claims	50/100
92	63131	Saint Louis	MO	105 claims	50/100
93	63742	Commerce	MO	105 claims	60/100
94	64504	Saint Joseph	MO	105 claims	40/100
95	65036	Gasconade	MO	105 claims	73/100
96	63043	Maryland Heights	MO	104 claims	50/100
97	64112	Kansas City	MO	104 claims	60/100
98	63084	Union	MO	103 claims	71/100
99	63957	Piedmont	MO	103 claims	70/100
100	65203	Columbia	MO	102 claims	73/100

Methodology

Flood risk rankings use FEMA National Flood Insurance Program (NFIP) claim data. Total claims reflect historical flood events that resulted in insured property damage. High claim counts indicate areas with recurring flood exposure, which can compromise water infrastructure, introduce contaminant runoff, and damage home systems.

Data sources: EPA Safe Drinking Water Information System (SDWIS), FEMA National Flood Insurance Program, EPA radon zone maps, EIA electricity rates, and Consumer Confidence Reports. Last updated: 2026-06-04.

Frequently Asked Questions

Why does flood history matter for home safety?

Flooding can contaminate drinking water supplies, damage water infrastructure, introduce sewage and chemical runoff, and compromise home foundations and electrical systems. Repeated flooding indicates persistent risk that affects long-term home safety.

Where does the flood data come from?

Flood claim data comes from the FEMA National Flood Insurance Program (NFIP), which tracks all insured flood losses by ZIP code. This includes claims from hurricanes, river flooding, storm surge, and heavy rainfall events.

ZIP Codes with Highest Flood Risk in Missouri — 2026

Top 100 Worst ZIP Codes

Methodology

Frequently Asked Questions

Why does flood history matter for home safety?

Where does the flood data come from?

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