Flood insurance claims in Franklin County, Iowa

FEMA records 2 National Flood Insurance Program claims in Franklin County, Iowa, since 2010, with $41,006 paid in total. There was 1 claim in each of 2010 and 2016. As of 3 August 2026, 0.2% of homes here had an NFIP policy, and 11.4% of homes in the high-risk flood zone did.

NFIP claims on record2

Total paid$41,006

Claims with a payment2

Homes with NFIP policy0.2%

High-risk zone homes insured11.4%

Residential policies in force8

Claims by year of loss

NFIP claims by year of loss, Franklin County, Iowa

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

ZIP codes with the most claims

ZIP code (as reported)	Claims
50475	2

1 of the claims was on properties rated in a high-risk flood zone (zones starting A or V). Building $26,532, contents $14,473, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	44	5	11.4%
All homes	4,727	8	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.