FEMA flood zones · Iowa

Appanoose County, Iowa Flood Zone Map

8 flood insurance claims·$56,314 paid·5 federal flood & hurricane disasters

13% of Appanoose County’s area is in FEMA’s high-risk flood zones, and another 2% in shaded X (mostly the 0.2% floodplain and areas behind levees).

Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.

Coastal high risk (V, VE)FloodwayHigh risk (A, AE)Moderate (X, 500-year)Minimal (X)Undetermined (D)

Shaded areas are FEMA’s mapped flood hazard zones in and around Appanoose County, Iowa. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.

How Appanoose County floods

Flash flooding from summer thunderstorms dominates the flood profile of Appanoose County, backed by 38 flash flood events and 33 general flood events recorded over the last 30 years.

This activity is driven by slow-moving boundaries and training storms, as occurred in May 2019 and August 2021 when persistent heavy rainfall, high precipitable water values, and stationary weather patterns produced repeated rounds of severe storms and flooding across the region.

Properties

Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.

How deep the water got

outlet80″ door12″24″36″48″60″72″84″

In flood insurance claims here that reported a flood depth, the average was 19 inches.

Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.

Average of the depths reported on claims (zero and implausible values left out); FEMA’s record doesn’t say exactly where each depth was measured. Source: OpenFEMA NFIP claims.

Flood claims, year by year

The worst year was 2007, with 4 claims and $48,962 paid, the year of Severe Storms and Flooding.

1980: 1 claims1982: 1 claims2007: 4 claims2008: 1 claims2010: 1 claims1980199020002010

Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.

In their words

62 NOAA storm reports from Appanoose County describe what happened, in the words of the forecasters who covered it. Read the Iowa flood stories →

Federal disasters

16 federal disaster declarations since 1973, 5 of them floods, coastal storms or hurricanes.

DisasterBegan
Severe Storms, Straight-line Winds, And TornadoesDec 15, 2021
Severe Storms And FloodingMar 12, 2019
Severe Storms, Tornadoes, Straight-line Winds, And FloodingJun 20, 2015
Severe Storms, Tornadoes, And FloodingMay 19, 2013
Severe Storms, Straight-line Winds, And FloodingApr 17, 2013
Severe Storms, Flooding, And TornadoesJun 1, 2010
Severe Storms, Tornadoes, And FloodingMay 25, 2008
Severe Winter StormDec 10, 2007

Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.

Recorded flood events

71 since 1996: 38 flash floods and 33 river or area floods.

EventDateDamage
Flash FloodAug 12, 2021—
FloodSep 29, 2019$150,000
Flash FloodSep 29, 2019—
FloodMay 28, 2019$250,000
Flash FloodMay 28, 2019—
Flash FloodMay 28, 2019$25,000
Flash FloodJul 27, 2015$10,000
FloodJun 25, 2015$100,000

— = no damage estimate in the record. Source: NOAA Storm Events Database.

From the storm reports

Flash Flood · Aug 12, 2021. A slow moving boundary across southern Iowa provided the impetus for training storms along the Iowa Missouri border. Several inches of rain fell and resulted in flash flooding in Appanoose county. Later in the afternoon as the front lifted into central Iowa scattered storms developed within the warm sector. While storms remained below severe thresholds, they did produce two brief funnel clouds in Jasper and Powesh…

Flood · Sep 29, 2019. After a moderate to heavy rainfall event providing 2 to 3 inches just prior to this, the pump was primed so to speak for flooding potential. A generally stationary front resided south of the area into Missouri, but upper level and mid level flow strongly suggested storms would track north of the surface boundary and across portions of southern and central Iowa. The initial wave of rain was initiated by a mid-upper…

Flash Flood · Sep 29, 2019. After a moderate to heavy rainfall event providing 2 to 3 inches just prior to this, the pump was primed so to speak for flooding potential. A generally stationary front resided south of the area into Missouri, but upper level and mid level flow strongly suggested storms would track north of the surface boundary and across portions of southern and central Iowa. The initial wave of rain was initiated by a mid-upper…

Flood · May 28, 2019. The hits just kept on rolling, with yet another pair of rounds of strong to severe storms, heavy rainfall, and flooding. Through much of the end of May, the synoptic setup across the region remained relatively unchanged, including this event. Upper level flow continued to be out of the SW, precipitable water values remained in excess of 1.5 inches, and a relatively stationary boundary remained over the area. In ad…

National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.

The zones you’ll see on the map

Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.

Cross-section of a river floodplainDiagram: a river valley. The floodway is the channel and the land beside it; the 1%-annual-chance flood surface (the base flood elevation) covers the valley floor as zone A or AE; a narrow band higher up is shaded X, the 0.2% floodplain; higher ground is X.0.2% CHANCE A YEAR (500-YEAR)BASE FLOOD ELEVATION · 1% A YEARXAEFloodwayAEX
  1. A / AE Inside the 1%-a-year floodplain: about a 26% chance of flooding over a 30-year mortgage. AE has a mapped base flood elevation; plain A does not.
  2. Floodway The channel and the land beside it that has to be kept clear enough to carry the flood. Building here is tightly limited.
  3. X shaded The 0.2% (500-year) floodplain, plus some levee-protected and very shallow flood areas.
  4. X Outside both lines. No federal requirement to insure, which is not the same as no risk.

Every flood zone code explained →

Flood insurance in Appanoose County

If a building in Appanoose County is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.

Outside those zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Since Risk Rating 2.0, NFIP premiums are set for each building, so the only reliable price is a quote: FloodSmart.gov or a local agent.