Data · May 2026 data · 13-month trend
Missouri Flood Insurance Costs
Flood insurance policies newly written or renewed in Missouri during May 2026 carried an average premium of $1,448. Against a national average of $982, the state sits 47.4% higher. Costs have risen 8.9% year over year. In all, 1,239 policies were written or renewed across 83 counties that month, and Warren County topped the county table at $4,537.
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 — May 2026
- Average premium
- $1,448
- Avg total cost (with fees)
- $1,868
- Change (year over year)
- +8.9%
- vs national average
- +47.4%
- Policies written or renewed
- 1,239
- Counties reporting
- 83
Missouri trend, last 13 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 | $1,329 | $1,726 | 1,369 | |
| June 2025 | $1,439 | $1,850 | 1,352 | |
| July 2025 | $1,394 | $1,795 | 1,288 | |
| August 2025 | $1,393 | $1,794 | 1,373 | |
| September 2025 | $1,312 | $1,698 | 1,337 | |
| October 2025 | $1,318 | $1,713 | 1,207 | |
| November 2025 | $1,256 | $1,635 | 1,156 | |
| December 2025 | $1,529 | $1,983 | 1,033 | |
| January 2026 | $1,511 | $1,959 | 960 | |
| February 2026 | $1,458 | $1,886 | 902 | |
| March 2026 | $1,398 | $1,803 | 1,495 | |
| April 2026 | $1,482 | $1,904 | 1,440 | |
| May 2026 | $1,448 | $1,868 | 1,239 |
County breakdown — May 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 |
|---|---|---|---|---|
| Warren County | $4,537 | $5,539 | 4 | |
| Polk County | $3,684 | $4,569 | 3 | |
| Howell County | $3,622 | $4,458 | 2 | |
| Montgomery County | $2,933 | $3,758 | 1 | |
| Carroll County | $2,613 | $3,230 | 3 | |
| McDonald County | $2,450 | $3,092 | 7 | |
| Cooper County | $2,400 | $3,128 | 3 | |
| Marion County | $2,358 | $2,977 | 11 | |
| Benton County | $2,300 | $3,011 | 2 | |
| FIPS 29000 | $2,260 | $2,726 | 8 | |
| Callaway County | $2,141 | $2,711 | 4 | |
| Greene County | $2,135 | $2,681 | 10 | |
| Franklin County | $1,998 | $2,556 | 16 | |
| Newton County | $1,964 | $2,450 | 15 | |
| Jefferson County | $1,937 | $2,445 | 41 | |
| Camden County | $1,936 | $2,522 | 19 | |
| St. Louis County | $1,905 | $2,416 | 264 | |
| Reynolds County | $1,851 | $2,256 | 2 | |
| Jackson County | $1,810 | $2,331 | 82 | |
| Madison County | $1,800 | $2,241 | 5 | |
| Osage County | $1,765 | $2,155 | 2 | |
| Crawford County | $1,748 | $2,285 | 3 | |
| Morgan County | $1,682 | $2,057 | 4 | |
| Ste. Genevieve County | $1,673 | $2,083 | 6 | |
| Boone County | $1,640 | $2,135 | 21 | |
| Iron County | $1,616 | $2,069 | 5 | |
| St. Louis city | $1,606 | $2,047 | 17 | |
| Atchison County | $1,532 | $2,105 | 1 | |
| Clay County | $1,522 | $1,926 | 31 | |
| St. Charles County | $1,514 | $1,914 | 123 | |
| Platte County | $1,501 | $1,997 | 22 | |
| Jasper County | $1,484 | $1,921 | 16 | |
| Cape Girardeau County | $1,406 | $1,832 | 9 | |
| Lincoln County | $1,355 | $1,801 | 19 | |
| Cass County | $1,325 | $1,663 | 16 | |
| Audrain County | $1,312 | $1,685 | 7 | |
| Howard County | $1,309 | $1,777 | 7 | |
| Cole County | $1,295 | $1,675 | 12 | |
| Ray County | $1,235 | $1,567 | 6 | |
| Maries County | $1,232 | $1,751 | 1 | |
| Carter County | $1,232 | $1,638 | 4 | |
| Pettis County | $1,229 | $1,597 | 3 | |
| Pulaski County | $1,207 | $1,609 | 4 | |
| Lawrence County | $1,201 | $1,624 | 5 | |
| Pike County | $1,179 | $1,576 | 6 | |
| Lewis County | $1,123 | $1,397 | 1 | |
| Buchanan County | $1,106 | $1,462 | 21 | |
| Gasconade County | $1,097 | $1,479 | 8 | |
| Barry County | $1,076 | $1,341 | 2 | |
| Washington County | $1,021 | $1,333 | 4 | |
| Wright County | $1,013 | $1,267 | 1 | |
| Butler County | $1,010 | $1,383 | 17 | |
| Chariton County | $994 | $1,245 | 2 | |
| Christian County | $979 | $1,227 | 5 | |
| Andrew County | $954 | $1,254 | 4 | |
| Monroe County | $953 | $1,197 | 1 | |
| Johnson County | $915 | $1,192 | 11 | |
| Taney County | $911 | $1,189 | 60 | |
| Randolph County | $899 | $1,133 | 1 | |
| Perry County | $880 | $1,290 | 5 | |
| Dent County | $875 | $1,105 | 1 | |
| Vernon County | $868 | $1,321 | 1 | |
| Clark County | $867 | $1,208 | 2 | |
| Ripley County | $819 | $1,189 | 6 | |
| Phelps County | $813 | $1,107 | 6 | |
| Putnam County | $808 | $1,025 | 1 | |
| Miller County | $787 | $1,114 | 2 | |
| Holt County | $745 | $1,084 | 32 | |
| Webster County | $742 | $1,060 | 2 | |
| St. Francois County | $719 | $921 | 3 | |
| Scott County | $703 | $974 | 62 | |
| Stone County | $698 | $1,121 | 2 | |
| Bates County | $668 | $860 | 2 | |
| Saline County | $628 | $813 | 1 | |
| Henry County | $602 | $782 | 2 | |
| Dunklin County | $475 | $704 | 19 | |
| Livingston County | $468 | $624 | 1 | |
| Mississippi County | $448 | $645 | 15 | |
| Douglas County | $425 | $686 | 2 | |
| New Madrid County | $396 | $611 | 38 | |
| Stoddard County | $389 | $618 | 18 | |
| Wayne County | $364 | $502 | 1 | |
| Pemiscot County | $363 | $553 | 17 |
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 (FimaNfipPolicies).
"Missouri Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, May 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/missouri
Related guides
Editorial context for reading these numbers — how NFIP coverage and pricing work in practice, and what a flood map does and doesn’t tell you.