Flood insurance claims in Guthrie County, Iowa

FEMA records 10 National Flood Insurance Program claims in Guthrie County, Iowa, since 1998, with $156,933 paid in total. The most claims in one year was 2, in 1998, 2008 and 2019. 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 record10

Total paid$156,933

Claims with a payment8

Homes with NFIP policy0.2%

High-risk zone homes insured11.4%

Residential policies in force17

Claims by year of loss

NFIP claims by year of loss, Guthrie County, Iowa

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

ZIP codes with the most claims

ZIP code (as reported)	Claims
50115	4
50216	3
50070	3

6 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $145,078, contents $11,855, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	79	9	11.4%
All homes	7,729	17	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.