Flood Claims Map

Iowa

Flood insurance claims in Cerro Gordo County, Iowa

FEMA records 216 National Flood Insurance Program claims in Cerro Gordo County, Iowa, since 1978, with $3.5 million paid in total. The year with the most claims was 2008, with 89. As of 3 August 2026, 0.4% of homes here had an NFIP policy, and 11.8% of homes in the high-risk flood zone did.

NFIP claims on record216
Total paid$3.5 million
Claims with a payment158
Homes with NFIP policy0.4%
High-risk zone homes insured11.8%
Residential policies in force80

Claims by year of loss

1978: 419781979: 151980: 101981: 31982: 219821983: 11984: 131985: 01986: 019861987: 01988: 01989: 01990: 819901991: 11992: 01993: 21994: 019941995: 01996: 01997: 11998: 019981999: 242000: 02001: 12002: 020022003: 02004: 262005: 02006: 020062007: 12008: 892009: 02010: 020102011: 02012: 02013: 12014: 120142015: 02016: 22017: 02018: 11201889

NFIP claims by year of loss, Cerro Gordo County, Iowa

1978: $102,40019781979: $23,4661980: $27,3031981: $2,6931982: $8219821983: $1,5521984: $65,1161985: $01986: $019861987: $01988: $01989: $01990: $1,01819901991: $5,7441992: $01993: $01994: $019941995: $01996: $01997: $01998: $019981999: $61,9892000: $02001: $02002: $020022003: $02004: $213,9072005: $02006: $020062007: $23,9912008: $2.9 million2009: $02010: $020102011: $02012: $02013: $1,7072014: $2,26820142015: $02016: $18,1462017: $02018: $55,4832018$2.9 million

Paid on claims by year of loss (building, contents and increased cost of compliance), Cerro Gordo County, Iowa

Named flood events with the most claims

Event (FEMA name)Claims
Storm89
Flooding13
Tropical Storm Erin1
Severe flooding1
Midwest Flooding1

ZIP codes with the most claims

ZIP code (as reported)Claims
50401202
5042810
504792
504641
504581

150 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.8 million, contents $357,068, increased cost of compliance $300,534.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone4174911.8%
All homes22,743800.4%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.