Data · June 2026 data · 14-month trend
Missouri Flood Insurance Costs
Flood insurance policies newly written or renewed in Missouri during June 2026 carried an average premium of $1,507. Against a national average of $1,001, the state sits 50.5% higher. Costs have risen 4.7% year over year. In all, 1,265 policies were written or renewed across 82 counties that month, and Ozark County topped the county table at $4,122.
What we measure: Average premium among policies newly written or renewed that month (NFIP transactions) — not the official in-force average. OpenFEMA transaction data is published on a lag of roughly two months; the latest period shown reflects that lag.
Key facts — June 2026
- Average premium
- $1,507
- Avg total cost (with fees)
- $1,931
- Change (year over year)
- +4.7%
- vs national average
- +50.5%
- Policies written or renewed
- 1,265
- Counties reporting
- 82
Missouri trend, last 14 months
Average premium among policies newly written or renewed each month. Bars scale to the highest month shown.
| Month | Avg premium | Premium relative to highest month | Avg total cost | Policies |
|---|---|---|---|---|
| May 2025 | $1,328 | $1,725 | 1,370 | |
| June 2025 | $1,439 | $1,850 | 1,352 | |
| July 2025 | $1,393 | $1,794 | 1,292 | |
| August 2025 | $1,392 | $1,793 | 1,374 | |
| September 2025 | $1,311 | $1,699 | 1,345 | |
| October 2025 | $1,318 | $1,713 | 1,210 | |
| November 2025 | $1,256 | $1,634 | 1,156 | |
| December 2025 | $1,535 | $1,991 | 1,036 | |
| January 2026 | $1,519 | $1,969 | 964 | |
| February 2026 | $1,459 | $1,887 | 905 | |
| March 2026 | $1,398 | $1,803 | 1,501 | |
| April 2026 | $1,481 | $1,902 | 1,446 | |
| May 2026 | $1,444 | $1,864 | 1,291 | |
| June 2026 | $1,507 | $1,931 | 1,265 |
County breakdown — June 2026
Sorted by average premium, highest first. Rows labeled with a FIPS code are reporting areas without a matched county name. Watch the policy count before reading much into small-county averages.
| County | Avg premium | Premium relative to highest county | Avg total cost | Policies |
|---|---|---|---|---|
| Ozark County | $4,122 | $4,936 | 1 | |
| St. Louis city | $4,088 | $5,020 | 40 | |
| Camden County | $3,690 | $4,527 | 20 | |
| Laclede County | $3,573 | $4,456 | 4 | |
| Reynolds County | $3,290 | $4,105 | 3 | |
| McDonald County | $3,237 | $3,967 | 3 | |
| Carroll County | $3,106 | $3,737 | 1 | |
| Stone County | $2,508 | $3,077 | 5 | |
| St. Louis County | $2,207 | $2,779 | 267 | |
| Montgomery County | $2,206 | $2,675 | 1 | |
| Taney County | $2,174 | $2,716 | 17 | |
| Cape Girardeau County | $2,095 | $2,657 | 8 | |
| Cole County | $2,039 | $2,572 | 12 | |
| Benton County | $2,017 | $2,451 | 3 | |
| Clark County | $1,921 | $2,339 | 3 | |
| Crawford County | $1,917 | $2,484 | 6 | |
| Newton County | $1,860 | $2,342 | 12 | |
| Marion County | $1,816 | $2,402 | 6 | |
| Warren County | $1,696 | $2,209 | 10 | |
| Audrain County | $1,693 | $2,219 | 3 | |
| Osage County | $1,667 | $2,095 | 4 | |
| Jefferson County | $1,659 | $2,077 | 48 | |
| Madison County | $1,587 | $1,945 | 4 | |
| Lincoln County | $1,531 | $1,999 | 15 | |
| St. Charles County | $1,528 | $1,928 | 123 | |
| Clay County | $1,500 | $1,935 | 12 | |
| Carter County | $1,449 | $1,951 | 4 | |
| Pike County | $1,424 | $1,903 | 3 | |
| Gasconade County | $1,394 | $1,909 | 7 | |
| Perry County | $1,389 | $1,880 | 4 | |
| Macon County | $1,363 | $1,680 | 1 | |
| Morgan County | $1,320 | $1,803 | 13 | |
| Cass County | $1,307 | $1,659 | 15 | |
| Franklin County | $1,282 | $1,685 | 27 | |
| Jasper County | $1,272 | $1,640 | 10 | |
| Andrew County | $1,270 | $1,706 | 5 | |
| Ray County | $1,251 | $1,566 | 13 | |
| Platte County | $1,247 | $1,613 | 13 | |
| Greene County | $1,244 | $1,620 | 14 | |
| Moniteau County | $1,201 | $1,489 | 2 | |
| Clinton County | $1,179 | $1,463 | 2 | |
| Callaway County | $1,157 | $1,662 | 2 | |
| FIPS 29000 | $1,154 | $1,659 | 1 | |
| Randolph County | $1,154 | $1,434 | 2 | |
| Christian County | $1,143 | $1,420 | 3 | |
| Jackson County | $1,136 | $1,469 | 130 | |
| Henry County | $1,055 | $1,452 | 5 | |
| Dent County | $1,037 | $1,296 | 2 | |
| Vernon County | $1,035 | $1,293 | 2 | |
| Ste. Genevieve County | $1,029 | $1,286 | 5 | |
| Webster County | $1,009 | $1,263 | 1 | |
| Phelps County | $984 | $1,289 | 12 | |
| Howell County | $956 | $1,200 | 2 | |
| Butler County | $925 | $1,204 | 33 | |
| Lewis County | $877 | $1,331 | 2 | |
| Boone County | $868 | $1,183 | 13 | |
| Pulaski County | $860 | $1,215 | 7 | |
| Ralls County | $857 | $1,196 | 2 | |
| Pettis County | $787 | $1,001 | 3 | |
| Johnson County | $784 | $1,053 | 4 | |
| Buchanan County | $780 | $1,032 | 28 | |
| Grundy County | $779 | $991 | 1 | |
| Chariton County | $773 | $1,097 | 2 | |
| Miller County | $768 | $1,091 | 2 | |
| Cedar County | $761 | $970 | 1 | |
| Harrison County | $756 | $1,189 | 1 | |
| Wayne County | $677 | $1,021 | 6 | |
| Iron County | $674 | $980 | 6 | |
| Saline County | $644 | $832 | 1 | |
| Holt County | $616 | $889 | 25 | |
| St. Francois County | $582 | $759 | 3 | |
| Lawrence County | $493 | $653 | 4 | |
| Stoddard County | $487 | $692 | 10 | |
| Mississippi County | $458 | $655 | 16 | |
| Barton County | $454 | $833 | 2 | |
| Ripley County | $454 | $683 | 3 | |
| Atchison County | $450 | $828 | 1 | |
| Scott County | $420 | $639 | 63 | |
| Texas County | $418 | $565 | 1 | |
| Pemiscot County | $374 | $615 | 51 | |
| Dunklin County | $368 | $562 | 20 | |
| New Madrid County | $336 | $518 | 23 |
Use this data
Download Missouri CSV (missouri.csv) — free to reuse with attribution. Read the full methodology for formulas, update cadence, and limitations. Source: FEMA OpenFEMA NFIP policy transaction data (NFIP Redacted Policies v3).
"Missouri Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, June 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/missouri
Related guides
Compare county data, then use the editorial guides to understand how NFIP coverage and pricing work in practice.