Enter any address in Spencer, Iowa to see its FEMA flood zone
Spencer has a population of 11,325 residents. Like many communities in Iowa, properties in Spencer may be located in various FEMA flood zones ranging from high-risk Special Flood Hazard Areas to low-risk zones.
Use the address lookup above to check the specific flood zone for any property in Spencer. Results come directly from FEMA's National Flood Hazard Layer (NFHL).
Statewide data from OpenFEMA. City-level breakdowns coming soon.
FEMA assigns flood zone designations to areas in Spencer, 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 Spencer that are in FEMA Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
The average NFIP premium in Iowa is approximately $710 per year.
Even in low-risk zones, flood insurance is recommended — from 2014 to 2024, nearly one-third of NFIP claims came from outside high-risk areas. Visit FloodSmart.gov for quotes.