Data · July 2026 data · 15-month trend
Missouri Flood Insurance Costs
Flood insurance policies newly written or renewed in Missouri during July 2026 carried an average premium of $1,465. Against a national average of $986, the state sits 48.6% higher. Costs have risen 5.2% year over year. In all, 1,214 policies were written or renewed across 86 counties that month, and Gasconade County topped the county table at $6,907.
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 — July 2026
- Average premium
- $1,465
- Avg total cost (with fees)
- $1,883
- Change (year over year)
- +5.2%
- vs national average
- +48.6%
- Policies written or renewed
- 1,214
- Counties reporting
- 86
Missouri trend, last 15 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 | |
| July 2026 | $1,465 | $1,883 | 1,214 |
County breakdown — July 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 |
|---|---|---|---|---|
| Gasconade County | $6,907 | $8,390 | 4 | |
| Reynolds County | $6,675 | $8,174 | 2 | |
| Barry County | $5,782 | $7,120 | 2 | |
| Howell County | $5,289 | $6,538 | 3 | |
| Oregon County | $4,009 | $5,027 | 3 | |
| Camden County | $3,786 | $4,670 | 19 | |
| Carter County | $3,178 | $3,913 | 5 | |
| Madison County | $3,171 | $3,814 | 1 | |
| Ralls County | $3,041 | $3,885 | 1 | |
| Clay County | $2,355 | $2,922 | 35 | |
| Crawford County | $2,248 | $2,950 | 1 | |
| Miller County | $2,200 | $2,668 | 1 | |
| St. Louis city | $2,149 | $2,704 | 21 | |
| Maries County | $2,084 | $2,531 | 3 | |
| Taney County | $1,968 | $2,550 | 13 | |
| St. Louis County | $1,942 | $2,442 | 265 | |
| Callaway County | $1,938 | $2,359 | 2 | |
| Vernon County | $1,895 | $2,384 | 3 | |
| Osage County | $1,836 | $2,389 | 3 | |
| Newton County | $1,835 | $2,285 | 19 | |
| Ray County | $1,807 | $2,204 | 5 | |
| Shannon County | $1,788 | $2,182 | 1 | |
| Jackson County | $1,766 | $2,252 | 70 | |
| Audrain County | $1,759 | $2,276 | 7 | |
| Franklin County | $1,709 | $2,202 | 20 | |
| Laclede County | $1,656 | $2,251 | 1 | |
| Marion County | $1,654 | $2,203 | 5 | |
| Andrew County | $1,562 | $1,915 | 2 | |
| Greene County | $1,536 | $1,941 | 20 | |
| Stone County | $1,527 | $1,874 | 1 | |
| Lewis County | $1,513 | $2,082 | 4 | |
| Pulaski County | $1,450 | $1,895 | 6 | |
| St. Charles County | $1,443 | $1,826 | 96 | |
| Clark County | $1,431 | $1,836 | 3 | |
| Cape Girardeau County | $1,428 | $1,870 | 6 | |
| Lincoln County | $1,401 | $1,850 | 18 | |
| Jefferson County | $1,386 | $1,737 | 68 | |
| Platte County | $1,320 | $1,729 | 25 | |
| Clinton County | $1,311 | $1,731 | 2 | |
| Wright County | $1,298 | $1,829 | 1 | |
| Cole County | $1,275 | $1,622 | 5 | |
| Buchanan County | $1,243 | $1,621 | 33 | |
| Henry County | $1,221 | $1,587 | 3 | |
| Bollinger County | $1,217 | $1,508 | 2 | |
| Boone County | $1,205 | $1,601 | 21 | |
| Butler County | $1,168 | $1,540 | 25 | |
| FIPS 29000 | $1,130 | $1,630 | 1 | |
| Livingston County | $1,129 | $1,404 | 1 | |
| Phelps County | $1,118 | $1,461 | 13 | |
| Pike County | $1,103 | $1,498 | 9 | |
| Warren County | $1,071 | $1,560 | 3 | |
| Grundy County | $1,048 | $1,309 | 1 | |
| Cass County | $1,041 | $1,414 | 14 | |
| Shelby County | $1,023 | $1,279 | 1 | |
| Webster County | $1,018 | $1,273 | 1 | |
| Dallas County | $1,006 | $1,259 | 1 | |
| Carroll County | $1,005 | $1,408 | 3 | |
| Pettis County | $995 | $1,302 | 4 | |
| Morgan County | $990 | $1,366 | 9 | |
| Barton County | $956 | $1,313 | 2 | |
| Monroe County | $922 | $1,160 | 1 | |
| Atchison County | $895 | $1,241 | 2 | |
| Iron County | $876 | $1,162 | 4 | |
| Jasper County | $873 | $1,134 | 7 | |
| Lawrence County | $858 | $1,159 | 3 | |
| St. Francois County | $857 | $1,128 | 5 | |
| Ripley County | $854 | $1,305 | 5 | |
| McDonald County | $854 | $1,154 | 3 | |
| Ste. Genevieve County | $851 | $1,133 | 4 | |
| Wayne County | $841 | $1,154 | 10 | |
| Johnson County | $835 | $1,132 | 3 | |
| Perry County | $825 | $1,271 | 1 | |
| Chariton County | $823 | $1,043 | 1 | |
| Saline County | $755 | $963 | 2 | |
| Christian County | $700 | $943 | 5 | |
| Benton County | $622 | $806 | 2 | |
| Lafayette County | $606 | $787 | 1 | |
| Holt County | $592 | $908 | 23 | |
| Dunklin County | $492 | $724 | 35 | |
| Stoddard County | $463 | $745 | 16 | |
| Texas County | $442 | $594 | 1 | |
| Mississippi County | $430 | $628 | 23 | |
| Cooper County | $415 | $562 | 1 | |
| Pemiscot County | $412 | $622 | 35 | |
| Scott County | $411 | $641 | 75 | |
| New Madrid County | $354 | $548 | 27 |
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, July 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.