Enter any Iowa address to see its FEMA flood zone designation
Iowa has areas at risk of flooding from various sources including rivers, coastal storms, and heavy rainfall. FEMA has mapped flood zones across the state to identify areas at risk.
FEMA designates flood zones across Iowa using the following classifications:
AE High Risk — 1% annual chance of flooding (100-year floodplain). Insurance required for federal mortgages.
VE Very High Risk — Coastal flooding with wave action. Strictest building codes.
X (Shaded) Moderate Risk — 500-year floodplain. Insurance recommended.
X Low Risk — Outside major floodplains. Insurance optional but advisable — 20%+ of NFIP claims come from low-risk zones.
Properties in Iowa FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance through the National Flood Insurance Program (NFIP).
Even outside high-risk zones, flood insurance is recommended. NFIP claims data shows that over 20% of claims nationwide come from low and moderate-risk areas. Iowa residents can purchase flood insurance through the NFIP or private insurers.
Visit FloodSmart.gov to find an agent and get a quote.
Select a county to view local flood zone data and disaster history:
Select a city to check flood zone information:
Pop. 6,153
Pop. 5,487
Pop. 19,565
Pop. 66,427
Pop. 5,450
Pop. 67,887
Pop. 5,943
Pop. 6,792
Pop. 39,102
Pop. 7,365
Pop. 12,460
Pop. 23,982
Pop. 10,321
Pop. 40,713
Pop. 137,710
Pop. 5,412
Pop. 7,396
Pop. 5,199
Pop. 5,369
Pop. 7,687
Pop. 24,469
Pop. 18,601
Pop. 22,318
Pop. 62,799
Pop. 7,536
Pop. 101,724
Pop. 5,514
Pop. 7,587
Pop. 8,373
Pop. 214,133
Pop. 59,667
Pop. 6,726
Pop. 5,904
Pop. 9,416
Pop. 24,871
Pop. 10,270
Pop. 5,073
Pop. 15,392
Pop. 9,564
Pop. 7,183
Pop. 6,064
Pop. 15,833
Pop. 74,828
Pop. 5,106
Pop. 24,064
Pop. 9,900
Pop. 7,595
Pop. 10,571
Pop. 5,065
Pop. 6,128
Pop. 41,535
Pop. 27,591
Pop. 27,338
Pop. 9,274
Pop. 23,797
Pop. 6,925
Pop. 15,760
Pop. 20,479
Pop. 12,799
Pop. 5,920
Pop. 6,267
Pop. 5,415
Pop. 11,558
Pop. 25,529
Pop. 10,464
Pop. 7,836
Pop. 10,147
Pop. 5,543
Pop. 5,596
Pop. 5,015
Pop. 5,512
Pop. 8,229
Pop. 85,797
Pop. 11,325
Pop. 5,439
Pop. 11,269
Pop. 45,580
Pop. 7,352
Pop. 67,314
Pop. 23,940
Pop. 10,394
Pop. 7,825
Pop. 68,723
Pop. 5,252
Pop. 5,353