FEMA flood zones · Iowa

Davis County, Iowa Flood Zone Map

6 federal flood & hurricane disasters

9% of Davis 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 Davis 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 Davis County floods

Flash flooding from summer thunderstorms slightly dominates the flood risk profile in Davis County, Iowa, accounting for 18 recorded events compared to 15 general flood events over the last 30 years according to the NOAA Storm Events Database.

Historical events illustrate how persistent weather patterns trigger these incidents. For example, a stationary boundary, high precipitable water values, and repeated rounds of strong storms caused heavy rainfall and flooding in May 2019. Preceding rainfall of two to three inches primed the county for additional flash flooding when subsequent storms tracked across southern Iowa in September 2019. Earlier, a cold front moving into the state produced severe weather, damaging winds, and flash flooding in Davis and Monroe counties in June 2015.

Homeowners, real estate agents, and journalists monitoring property vulnerability in the area should pay the closest attention to locations susceptible to rapid runoff from intense convective storms and localized flash flooding.

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

In their words

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

Federal disasters

17 federal disaster declarations since 1969, 6 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

33 since 1996: 18 flash floods and 15 river or area floods.

EventDateDamage
Flash FloodSep 28, 2019—
FloodMay 28, 2019$300,000
Flash FloodMay 28, 2019$100,000
Flash FloodJun 22, 2015$25,000
Flash FloodSep 10, 2014$25,000
Flash FloodJun 7, 2014$50,000
Flash FloodJun 7, 2014$25,000
Flash FloodJun 26, 2011$250,000

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

From the storm reports

Flash Flood · Sep 28, 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…

Flash 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…

Flash Flood · Jun 22, 2015. In the afternoon storms fired up ahead of and along a cold front that was entering Iowa from the northwest. Numerous storms had severe hail, produced damaging winds, and two tornadoes. The first tornado was on the ground for several miles tracking through portions of Marion, Lucas and Monroe Counties. The second tornado formed just west of Albia and struck the town of Albia damaging several homes and businesses.…

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 Davis County

If a building in Davis 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.