If you own a home in Missouri and your home was hit by the March 2025 hailstorm — the one that left roofs and siding looking like they’d been blasted by a machine gun — or the devastating May 7, 2025 tornado, there is a significant tax opportunity you should not overlook.
Missouri offers a HOMESTEAD DISASTER TAX CREDIT AFFIDAVIT for homeowners who incurred an insurance deductible on their primary residence due to a qualifying 2025 disaster. The form is Missouri Department of Revenue Form 5926 – Homestead Disaster Tax Credit Affidavit
Here is what matters.
If you paid a deductible for storm damage to your primary residence in 2025, you may qualify for a tax credit equal to your deductible, up to $5,000. This is not a deduction. It is a credit — dollar-for-dollar reduction of your Missouri tax liability.
To qualify, according to the 2025 Homestead Disaster Tax Credit instructions
• You incurred an insurance deductible in 2025 for damage to your primary residence.
• The disaster was one for which the Governor of Missouri requested a presidential disaster declaration in 2025.
• The home was your legal and tax address.
• You lived in the home for at least six months prior to the disaster.
• Your insurance company is licensed in Missouri.
Important details:
• The credit equals the deductible you paid in 2025, up to $5,000.
• The credit is non-refundable and cannot exceed your Missouri tax liability.
• Any unused portion may be carried forward for up to 29 years or until fully used.
• No new credits will be authorized after October 15, 2026.
To claim it, you must submit Form 5926 along with your individual Missouri income tax return. The form requires:
• Address of the damaged homestead
• Date of the disaster
• Insurance company information
• Policy number
• Amount of deductible paid
• Signatures (both spouses if filing jointly)
If you wrote a $2,500, $3,000, or even $5,000 deductible check this year, this credit could substantially reduce your Missouri tax bill.
Many homeowners focus on repairs, contractors, and insurance negotiations. Few realize the deductible itself may qualify for state tax relief.
If you were affected by the March hailstorm or the May 7 tornado, review your insurance documents and speak with your CPA or tax preparer about Form 5926 before filing your 2025 return.
In a year when many Missourians experienced serious property damage, this is one practical way to recover part of what you paid out of pocket.
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