Flood Claims Map

Iowa

Flood insurance claims in Hamilton County, Iowa

FEMA records 28 National Flood Insurance Program claims in Hamilton County, Iowa, since 1981, with $189,455 paid in total. The year with the most claims was 2010, with 13. As of 3 August 2026, 0.1% of homes here had an NFIP policy, and 1.8% of homes in the high-risk flood zone did.

NFIP claims on record28
Total paid$189,455
Claims with a payment19
Homes with NFIP policy0.1%
High-risk zone homes insured1.8%
Residential policies in force6

Claims by year of loss

1981: 119811982: 01983: 01984: 019841985: 01986: 01987: 019871988: 01989: 01990: 019901991: 21992: 01993: 119931994: 01995: 01996: 019961997: 01998: 01999: 019992000: 02001: 02002: 020022003: 02004: 02005: 020052006: 02007: 02008: 1020082009: 02010: 132011: 020112012: 02013: 113

NFIP claims by year of loss, Hamilton County, Iowa

1981: $1,02519811982: $01983: $01984: $019841985: $01986: $01987: $019871988: $01989: $01990: $019901991: $1,0301992: $01993: $019931994: $01995: $01996: $019961997: $01998: $01999: $019992000: $02001: $02002: $020022003: $02004: $02005: $020052006: $02007: $02008: $78,90120082009: $02010: $108,5002011: $020112012: $02013: $0$108,500

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

Named flood events with the most claims

Event (FEMA name)Claims
Storm9
Midwest Flooding1

ZIP codes with the most claims

ZIP code (as reported)Claims
5059528

20 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $174,905, contents $4,895, increased cost of compliance $9,655.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone11321.8%
All homes11,01960.1%

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.