Flood insurance claims in Mills County, Iowa

FEMA records 121 National Flood Insurance Program claims in Mills County, Iowa, since 1984, with $6.2 million paid in total. The year with the most claims was 2019, with 31. As of 3 August 2026, 0.5% of homes here had an NFIP policy, and 3.5% of homes in the high-risk flood zone did.

NFIP claims on record121

Total paid$6.2 million

Claims with a payment92

Homes with NFIP policy0.5%

High-risk zone homes insured3.5%

Residential policies in force44

Claims by year of loss

NFIP claims by year of loss, Mills County, Iowa

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

Named flood events with the most claims

Event (FEMA name)	Claims
March 2019 Midwest Flooding	28
Late spring storms	17
Midwest Flooding	13
Flooding	2

ZIP codes with the most claims

ZIP code (as reported)	Claims
51561	57
51534	22
51533	14
51540	14
51503	7
51551	3
51571	2

54 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $4.4 million, contents $1.8 million, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	372	13	3.5%
All homes	8,292	44	0.5%

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.