Enter any address in Floyd County, Iowa to see its FEMA flood zone
River flooding from heavy rainfall events is a significant concern in Floyd County. Between 1996 and 2023, NOAA data recorded 41 flood events and 22 flash flood events, with one recorded fatality. Recent examples include widespread river flooding in June 2024 following heavy rainfall, and minor to moderate flooding along the Little Cedar and Cedar Rivers in August 2025 due to persistent rain.
National Flood Insurance Program (NFIP) data indicates that properties in Zone A have experienced the most claims, with an average payout of $16,166 and an average water depth of 12.9 feet. While Zone X properties have fewer claims, some have seen higher average payouts, such as Zone X (unshaded) with an average of $4,939 and 0.0 ft water depth, and Zone X (unspecified) with an average payout of $18,472 and 12.6 ft water depth. Homeowners located near rivers and streams, as well as those in areas designated as Zone A, should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
41 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Floyd County, Iowa has recorded 63 flood-related events since 1996 according to NOAA's Storm Events Database, including 22 flash floods and 41 river or area floods. The county has received 20 federal disaster declarations, 8 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1965–2024)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Storms, Flooding, Straight-line Winds, And Tornadoes | Severe Storm | Jun 16, 2024 |
| Severe Storms, Straight-line Winds, And Tornadoes | Severe Storm | Dec 15, 2021 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms And Flooding | Flood | Mar 12, 2019 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Severe Storm | Jun 6, 2018 |
| Severe Storms And Flooding | Flood | Sep 21, 2016 |
| Severe Storms, Straight-line Winds, And Flooding | Flood | Aug 23, 2016 |
| Severe Storms, Tornadoes, And Flooding | Severe Storm | May 19, 2013 |
| Severe Storms, Tornadoes, And Flooding | Severe Storm | May 25, 2008 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Aug 19, 2025 | 0.00K |
| Flood | Jun 22, 2024 | 172.00K |
| Flood | Aug 28, 2021 | 0.00K |
| Flash Flood | Aug 27, 2021 | 10.00K |
| Flash Flood | Aug 8, 2021 | 0.00K |
| Flood | Mar 15, 2019 | 0.00K |
| Flood | Sep 21, 2018 | 0.00K |
| Flood | Apr 15, 2018 | 0.00K |
| Flash Flood | Jun 9, 2018 | 5.00K |
| Flood | Jun 8, 2018 | 0.00K |
Flood — Aug 19, 2025
Heavy rain throughout the middle of August contributed to rises along many area rivers in northeast Iowa. This included minor to moderate flooding along portions of the Little Cedar and Cedar Rivers, as well as the Upper Iowa and Turkey Rivers.
Flood — Jun 22, 2024
Above normal rainfall over the course of June, combined with a robust rainfall event between June 20th and 22nd, led to widespread river flooding across portions of northeast Iowa. Rainfall amounts upwards of 5 inches between the 20th and 22nd allowed the Mississippi River, Cedar River and many other river basins in northeast Iowa to enter flood stage towards the end of June. Flooding along the...
Flood — Aug 28, 2021
A complex of storms moved across northeast Iowa during the late afternoon and evening of August 27th. These storms produced two tornadoes in the vicinity of Marble Rock (Floyd County). The first tornado was an EF0 west of Marble Rock that only caused some minor crop and structural damage to a farm. The second tornado was rated as an EF1 that passed just to the south of Marble Rock as it moved s...
Flash Flood — Aug 27, 2021
A complex of storms moved across northeast Iowa during the late afternoon and evening of August 27th. These storms produced two tornadoes in the vicinity of Marble Rock (Floyd County). The first tornado was an EF0 west of Marble Rock that only caused some minor crop and structural damage to a farm. The second tornado was rated as an EF1 that passed just to the south of Marble Rock as it moved s...
Flash Flood — Aug 8, 2021
Several rounds of thunderstorms with heavy rain moved across portions of northeast Iowa during the evening of August 8th into the early morning of the 9th. Radar estimates indicated that 4 to 6 inches of rain fell across southeast Floyd County into southwest Chickasaw County. Numerous streets and roads were flooded, with some impassable, near and in Charles City (Floyd County) and New Hampton (...
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Floyd County, Iowa:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Floyd County, Iowa that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.