Flood insurance cost in Missouri
In Missouri, the lowest private flood insurance quote ran $584 a year and the typical private quote ran $1,232. The NFIP quote ran $2,886.
Private and NFIP quotes compared
Where a property was quoted both ways, the lowest private quote came in a median 69% below the NFIP quote, and private was the cheaper option for 93% of those 61 properties. The typical private quote came in 36% below NFIP.
Median annual premiums from 716 carrier quotes. Lowest is the cheapest private quote a property received, typical is the middle one.
By flood zone and property type
| Group | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| Zone A, AE, AH and AO (high risk) | $693 | $1,775 | $2,779 | 537 |
| Residential properties | $578 | $1,183 | $2,809 | 712 |
How quotes have moved since 2020
- Lowest private quote$444 in 2026
- Typical private quote$1,046 in 2026
- NFIP quote$2,649 in 2025
Dashed lines span years with too few quotes to report a figure.
* 2026 is still in progress and runs through the latest update.
| Year | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| 2020 | $730 | $802 | $2,252 | 264 |
| 2021 | $1,035 | $1,694 | $1,986 | 187 |
| 2022 | $763 | $1,559 | n/a | 88 |
| 2025 | $593 | $1,281 | $2,649 | 426 |
| 2026* | $444 | $1,046 | n/a | 258 |
See what your property is quoted
The index is a median. Your price depends on your flood zone, elevation and coverage. Compare NFIP and private carriers for your address.
Common questions
- How much does flood insurance cost in Missouri?
- From Oct 2024 to Oct 2026, the typical private flood insurance quote in Missouri was $1,232 a year and the lowest private quote a property received was $584. NFIP quotes ran $2,886. These are medians of quotes run through Insurox, not premiums paid, and your own price depends on your property.
- Is private flood insurance cheaper than NFIP in Missouri?
- Where a property was quoted both ways, the lowest private quote came in a median 69% below the NFIP quote, and private was the cheaper option for 93% of those 61 properties. The typical private quote came in 36% below NFIP.
- Where do these numbers come from?
- From 716 carrier quotes returned to property owners who asked for flood insurance quotes through Insurox between Oct 2024 to Oct 2026. A place is only published when at least 20 different properties were quoted there.
More about flood insurance in Missouri
- Flood insurance in Missouri: what it covers, who needs it and how to get quotes.
- NFIP (FEMA) flood insurance
- Private flood insurance
- Commercial flood insurance
These figures are statistics about quotes, not an offer of insurance. Read how the index is calculated or go back to the national index.