Flood Insurance in Missouri

Families trust G&G because we are the only full-service agency that saves you time and money, offers comprehensive coverage made easy, and proven, best-in-class service.

Don’t Let a Flood Rain On Your Parade—Protect Your Home With Flood
Insurance in Missouri!

I have a memory of standing in my childhood bedroom after about of very heavy rain, rubber boots up to my knees, and one of those inflatable chairs that were popular in the 90s floating out my bedroom door. At the time, the only thing I could do was laugh at how silly it looked bobbing past me. But when the laughing was over, my family and I were left with a big mess.

According to the National Severe Storms Laboratory (NSSL), floods are the most common natural disaster. Floods occur very quickly and easily cause a lot of damage. Not only can floodwater destroy your belongings – photos, books, electronics, and pretty well anything else that shouldn’t get wet, but it can also seep into your foundation and soak into the walls. If you can’t properly dry your home, mold and other bacteria start to grow, rotting away your house. Flood insurance is critical to making sure you have the protection you need when you suddenly find your bedroom in calf-deep water.

Do I Need Flood Insurance in Missouri?

You might think that you’re covered through your home insurance, but most homeowners insurance policies don’t cover floods, apart from water damage caused by burst pipes.

Flooding can affect any area in the United States. Even areas declared low-risk experience flooding. According to the Federal Emergency Management Agency (FEMA), 26% of recent insurance claims for flooding in Missouri have come from moderate-to-low risk areas.

Fast Facts

Flooding is unfortunately common in Missouri. According to the State Emergency Management Agency (SEMA):

  • Flooding is the deadliest natural disaster hazard in Missouri.
  • Flooding in Missouri can be local or cover large areas and cross state lines.
  • Flash floods are the most dangerous, but there are also slow-developing floods that can build over days or weeks.

According to FEMA:

  • Just a few inches of floodwater can cause tens of thousands of dollars in damage.
  • Between 2006 and 2010 in the Midwest, the average flood claim was about $34,000.

What Does Flood Insurance Cover in Missouri?

Flood insurance is an addition to home insurance that covers the types of water damage that most homeowners insurance doesn’t. This includes damage caused by water that enters your home from the land, such as seeping through the foundation after building up on land or sweeping through such as in a flash flood. 

Flood insurance can cover:

  • Your home (the building, foundation, plumbing, electrical, flooring, etc.)
  • Your property (the items inside your home like furniture, electronics, water heaters, appliances etc.)
  • Reimbursement of work done to salvage and clean up your home


Standard policies are often limited to $250,000 for the building and $100,000 for its contents, though additional coverage can be added. Policies can also be built to cover only the building, only the contents, or both. Contact G&G Independent Insurance to create your custom flood insurance policy today! 

How Much Does Flood Insurance Cost in Missouri?

In Missouri, many areas are covered by the National Flood Insurance Program (NFIP). Some people opt to choose private insurance companies to create a plan that works better for their needs. In Missouri, coverage under the NFIP can average around $1100 a year, however, rates may be lower in lower-risk areas. If you’d like to look at policies available to you, contact G&G Independent Insurance to see what your options are for flood insurance in Missouri. 

Customer Reviews

Kimberly Fiveash
a month ago
During the process of purchasing a home, I was referred to Cody Walters. I found him to be super helpful! He found the best policies...
Doris Rogers
in the last week
Andrew just saved us over $400.00 a year with better coverage. He has been very helpful and was always available to answer questions. I...
Mica Schuler
3 months ago
I recently purchased a new home and needed to secure a home insurance policy. I reached out to G&G and was thoroughly impressed with the...

When Should I Buy Flood Insurance?

The best time to buy insurance is always before you need it. Many policies for flood insurance in Missouri have a 30-day waiting period before any claims can be made. G&G Independent Insurance is committed to helping you find the best coverage at a price that works for you. Our system is quick, easy, and allows you to instantly compare rates that cover your needs. 

We’ll make sure you find an insurance policy that gives you peace of mind in no time. So don’t wait another day. Don’t let a flood sink you. Flood insurance will keep your finances afloat.