Flood Insurance in Missouri
Flood is excluded from every standard homeowners policy. Coverage comes from the NFIP or a private flood carrier, and most policies carry a waiting period.
What is different in Missouri
Missouri requires uninsured motorist coverage. The southeastern counties sit inside the New Madrid seismic zone, where earthquake coverage is written separately and carries deductibles set as a percentage of Coverage A rather than a flat amount. Hail is the dominant property peril across the western half of the state.
Exposures that shape pricing here
- flood
Flood Insurance reading
- State guides
Missouri insurance guide
One of the few states that requires uninsured motorist coverage, a seismic zone in the southeast, and hail as the dominant property peril out west.
- Coverage explained
Flood insurance explained
A separate policy for the peril your home policy excludes. What it covers, what it does not, and the waiting period that catches people out.
- Buying guides
How to choose an insurance agent
Anyone can quote you a price. The differences that matter are who the agent represents, how they are paid, and what they write down.
- State guides
Alabama insurance guide
A Gulf hurricane corridor in the south, the tornado belt in the north, and a roof-age question that decides who will write your house.