Short answer: Iowa property policies generally exclude flood. Check FEMA maps, then buy NFIP or private flood coverage. Iowa DNR coordinates the NFIP. Under Iowa Code 455B.262A, the state's share of matching funds for flood-related FEMA public assistance depends on the community being in good standing with the NFIP.
This guide is general information for Iowa property owners and renters about flood risk and the National Flood Insurance Program. It isn't a coverage determination. FEMA maps, your community's floodplain ordinance and your policy wording control.
Maps and coverage
Use FEMA's Flood Map Service Center and check your community's NFIP status in FEMA's Community Status Book. Quote through FloodSmart. Most new NFIP policies have a 30-day waiting period.
Iowa DNR and Iowa Code 455B.262A
Iowa DNR coordinates the NFIP and works with communities on local floodplain programs. Iowa Code 455B.262A (2009) makes the state's contribution toward the non-federal match for flood-related FEMA public assistance grants contingent on the community being in good standing with the NFIP. A community newly mapped with a 1% annual-chance floodplain has two years from the FIRM's effective date to join before losing eligibility for state matching funds. DNR also publishes a Floodplain Management Desk Reference for local administrators.
Questions? Contact Alishahi Insurance or call (877) 711-4545. See insurance in Iowa.
Frequently asked questions
Who coordinates the NFIP in Iowa?
Iowa DNR.
What does Iowa Code 455B.262A do?
It ties the state's matching funds for flood-related FEMA public assistance to the community's NFIP good standing.
How long does a newly mapped Iowa community have to join the NFIP?
Two years from the FIRM effective date, before losing state matching eligibility.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.