Flood insurance claims in Emmet County, Iowa

FEMA records 19 National Flood Insurance Program claims in Emmet County, Iowa, since 1979, with $81,089 paid in total. The most claims in one year was 3, in 1979, 1983 and 1984. As of 3 August 2026, 0.2% of homes here had an NFIP policy.

NFIP claims on record19

Total paid$81,089

Claims with a payment13

Homes with NFIP policy0.2%

High-risk zone homes insuredn/a

Residential policies in force12

Claims by year of loss

NFIP claims by year of loss, Emmet County, Iowa

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

Named flood events with the most claims

Event (FEMA name)	Claims
June Midwest Flooding	2
March 2019 Midwest Flooding	1
Late spring storms	1
Flooding	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
51334	16
50531	3

16 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $78,072, contents $3,018, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	0	12	n/a
All homes	7,170	12	0.2%

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

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.