Flood insurance claims in Montgomery County, Iowa

FEMA records 82 National Flood Insurance Program claims in Montgomery County, Iowa, since 1980, with $240,235 paid in total. The year with the most claims was 2007, with 26. As of 3 August 2026, 1.3% of homes here had an NFIP policy, and 8.3% of homes in the high-risk flood zone did.

NFIP claims on record82

Total paid$240,235

Claims with a payment62

Homes with NFIP policy1.3%

High-risk zone homes insured8.3%

Residential policies in force78

Claims by year of loss

NFIP claims by year of loss, Montgomery County, Iowa

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

Named flood events with the most claims

Event (FEMA name)	Claims
Midwest Flooding	3
Late spring storms	2
Storm	2

ZIP codes with the most claims

ZIP code (as reported)	Claims
51566	46
51532	36

68 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $232,941, contents $7,294, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	909	75	8.3%
All homes	5,931	78	1.3%

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.