Flood Claims Map

Iowa

Flood insurance claims in Story County, Iowa

FEMA records 286 National Flood Insurance Program claims in Story County, Iowa, since 1979, with $13.1 million paid in total. The year with the most claims was 2010, with 78. As of 3 August 2026, 0.3% of homes here had an NFIP policy, and 7.6% of homes in the high-risk flood zone did.

NFIP claims on record286
Total paid$13.1 million
Claims with a payment244
Homes with NFIP policy0.3%
High-risk zone homes insured7.6%
Residential policies in force95

Claims by year of loss

1979: 219791980: 01981: 01982: 01983: 019831984: 51985: 01986: 01987: 119871988: 01989: 01990: 231991: 519911992: 01993: 721994: 01995: 019951996: 341997: 01998: 01999: 119992000: 02001: 22002: 02003: 020032004: 42005: 12006: 02007: 220072008: 352009: 02010: 782011: 020112012: 02013: 62014: 12015: 220152016: 42017: 12018: 32019: 020192020: 02021: 02022: 02023: 020232024: 02025: 12026: 378

NFIP claims by year of loss, Story County, Iowa

1979: $34119791980: $01981: $01982: $01983: $019831984: $3,8751985: $01986: $01987: $019871988: $01989: $01990: $423,5031991: $66,92519911992: $01993: $2.0 million1994: $01995: $019951996: $391,2471997: $01998: $01999: $019992000: $02001: $16,3832002: $02003: $020032004: $42,7032005: $02006: $02007: $6,03520072008: $1.7 million2009: $02010: $8.3 million2011: $020112012: $02013: $32,8392014: $02015: $2,88820152016: $35,9962017: $1,9522018: $17,1632019: $020192020: $02021: $02022: $02023: $020232024: $02025: $2022026: $82,224$8.3 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Midwest Flooding72
Flooding20
Storm9

ZIP codes with the most claims

ZIP code (as reported)Claims
50010191
5020121
5016120
5004610
502369
502489
502789
500116
500146
501052

189 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $10.2 million, contents $2.8 million, increased cost of compliance $75,873.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone568437.6%
All homes34,139950.3%

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

  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.