Missouri Home InsuranceFlood insurance discounts in Missouri
Flood discounts in Missouri
Flooding is never covered by a standard homeowners policy. But where you live can cut the price of a flood policy: communities in FEMA's Community Rating System earn their residents a discount automatically.
Of the 695 Missouri communities in the National Flood Insurance Program, 15 are in the rating system. Everywhere else, there is no community discount at all.
| Community | Class | Discount in high-risk zones |
|---|---|---|
| St. Charles County | 6 | 20% |
| Platte County | 6 | 20% |
| Blue Springs | 7 | 15% |
| Independence | 8 | 10% |
| Kansas City | 8 | 10% |
Source: FEMA NFIP Community Status Book.
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