Iowa Home-Insurance Distress by County

Iowa reads below the national norm for home-insurance distress — 99 counties averaging 23/100, 36th of 52 states.

Iowa's reading rests on a FEMA hazard average of 22/100 and NFIP flood-claim stress of 28/100.

Over three years Iowa counties filed 333 NFIP flood claims, $17,035,956 paid.

Highest in Iowa: Clay County 70/100 (#636 US), Polk County 68/100 (#681 US), Cherokee County 67/100 (#718 US), Jasper County 67/100 (#724 US), Pottawattamie County 66/100 (#732 US).

Iowa counties by insurance band: 37 zero (Iowa), 33 low, 29 medium; Iowa NFIP claims, three years: 333; Iowa payouts $17.0 million.

Iowa counties with the most NFIP claims: Clay 59 ($5.4 million); Scott 42 ($692,672); Polk 31 ($1.7 million) in Iowa; Sioux 25 ($3.8 million); Woodbury 21 ($673,781).

Iowa county average fell: 27.6 in March 2026; Iowa reads 24.8 in October 2026; Iowa by month: March 27.6, April 27.6, May 26.4 (Iowa), June 26.4, July 25.5, August 24.8 (Iowa), September 25.1, October 24.8.

Highest Iowa ZIPs, insurance distress: 85035 0 (climate 100), 85019 0 (climate 100) in Iowa, 85029 0 (climate 100), 85377 0 (climate 100) in Iowa, 85215 0 (climate 100), 85395 0 (climate 100) in Iowa.

Reading the Iowa bands: 0 of 99 Iowa counties sit in a high or worse insurance band; Iowa filed 333 NFIP claims in three years, $17.0 million paid to Iowa policyholders; a Iowa county's band moves when FEMA hazard revisions, new Iowa NFIP settlements or carrier filings change its monthly score.