Data · May 2026 data · 13-month trend
Iowa Flood Insurance Costs
Flood insurance policies newly written or renewed in Iowa during May 2026 carried an average premium of $1,120. The state pays more than the country as a whole — 14.1% above the $982 national average. The figure is up 7.6% year over year. In all, 787 policies were written or renewed across 69 counties that month, and Fayette County topped the county table at $4,081.
What we measure: Average premium among policies newly written or renewed that month (NFIP transactions) — not the official in-force average. OpenFEMA transaction data is published on a lag of roughly two months; the latest period shown reflects that lag.
Key facts — May 2026
- Average premium
- $1,120
- Avg total cost (with fees)
- $1,464
- Change (year over year)
- +7.6%
- vs national average
- +14.1%
- Policies written or renewed
- 787
- Counties reporting
- 69
Iowa trend, last 13 months
Average premium among policies newly written or renewed each month. Bars scale to the highest month shown.
| Month | Avg premium | Premium relative to highest month | Avg total cost | Policies |
|---|---|---|---|---|
| May 2025 | $1,041 | $1,372 | 859 | |
| June 2025 | $1,324 | $1,724 | 925 | |
| July 2025 | $1,237 | $1,614 | 916 | |
| August 2025 | $1,185 | $1,551 | 786 | |
| September 2025 | $1,373 | $1,780 | 771 | |
| October 2025 | $1,316 | $1,697 | 725 | |
| November 2025 | $1,205 | $1,579 | 574 | |
| December 2025 | $1,216 | $1,594 | 640 | |
| January 2026 | $1,423 | $1,853 | 518 | |
| February 2026 | $1,284 | $1,675 | 563 | |
| March 2026 | $1,480 | $1,905 | 876 | |
| April 2026 | $1,106 | $1,451 | 1,049 | |
| May 2026 | $1,120 | $1,464 | 787 |
County breakdown — May 2026
Sorted by average premium, highest first. Rows labeled with a FIPS code are reporting areas without a matched county name. Watch the policy count before reading much into small-county averages.
| County | Avg premium | Premium relative to highest county | Avg total cost | Policies |
|---|---|---|---|---|
| Fayette County | $4,081 | $5,016 | 7 | |
| Sioux County | $3,526 | $4,413 | 5 | |
| Mills County | $3,319 | $4,101 | 12 | |
| Franklin County | $2,999 | $3,836 | 1 | |
| Van Buren County | $2,990 | $3,825 | 2 | |
| Winneshiek County | $2,898 | $3,617 | 9 | |
| Wapello County | $2,460 | $3,050 | 3 | |
| Clay County | $2,459 | $3,011 | 6 | |
| Muscatine County | $2,038 | $2,546 | 13 | |
| Osceola County | $1,921 | $2,508 | 4 | |
| Shelby County | $1,873 | $2,507 | 2 | |
| Plymouth County | $1,722 | $2,329 | 1 | |
| Allamakee County | $1,714 | $2,319 | 2 | |
| Dallas County | $1,650 | $2,094 | 6 | |
| Mahaska County | $1,611 | $1,973 | 2 | |
| Scott County | $1,506 | $1,925 | 48 | |
| Johnson County | $1,476 | $1,909 | 26 | |
| Bremer County | $1,383 | $1,756 | 13 | |
| Buchanan County | $1,371 | $1,746 | 4 | |
| Audubon County | $1,356 | $1,897 | 4 | |
| Delaware County | $1,264 | $1,563 | 6 | |
| Boone County | $1,248 | $1,619 | 3 | |
| Woodbury County | $1,247 | $1,649 | 17 | |
| Crawford County | $1,243 | $1,539 | 1 | |
| Washington County | $1,202 | $1,633 | 11 | |
| Hardin County | $1,170 | $1,453 | 3 | |
| Marshall County | $1,156 | $1,436 | 2 | |
| Linn County | $1,149 | $1,542 | 83 | |
| Cass County | $1,128 | $1,403 | 1 | |
| Cherokee County | $1,084 | $1,396 | 5 | |
| Jackson County | $1,082 | $1,348 | 3 | |
| Louisa County | $1,057 | $1,410 | 5 | |
| Cerro Gordo County | $1,047 | $1,408 | 9 | |
| Grundy County | $1,041 | $1,300 | 1 | |
| Humboldt County | $1,040 | $1,299 | 1 | |
| Story County | $1,018 | $1,329 | 8 | |
| Howard County | $1,006 | $1,484 | 3 | |
| Jasper County | $975 | $1,373 | 3 | |
| Dickinson County | $975 | $1,335 | 4 | |
| Fremont County | $962 | $1,282 | 12 | |
| Clinton County | $956 | $1,227 | 17 | |
| Lee County | $943 | $1,222 | 6 | |
| Union County | $940 | $1,181 | 1 | |
| Des Moines County | $938 | $1,246 | 10 | |
| Tama County | $907 | $1,142 | 2 | |
| Pottawattamie County | $896 | $1,211 | 52 | |
| Chickasaw County | $886 | $1,214 | 7 | |
| Clayton County | $884 | $1,228 | 8 | |
| Black Hawk County | $881 | $1,186 | 39 | |
| Wright County | $878 | $1,108 | 2 | |
| Butler County | $877 | $1,107 | 14 | |
| Cedar County | $776 | $988 | 4 | |
| Benton County | $754 | $961 | 2 | |
| Polk County | $738 | $970 | 206 | |
| Dubuque County | $738 | $1,018 | 6 | |
| Webster County | $724 | $926 | 2 | |
| Jefferson County | $722 | $924 | 1 | |
| Keokuk County | $719 | $1,033 | 2 | |
| Carroll County | $713 | $1,138 | 1 | |
| Jones County | $706 | $1,130 | 3 | |
| Floyd County | $703 | $977 | 6 | |
| Marion County | $635 | $821 | 1 | |
| Harrison County | $606 | $861 | 21 | |
| Montgomery County | $559 | $732 | 4 | |
| Mitchell County | $496 | $657 | 1 | |
| Monona County | $494 | $783 | 7 | |
| Hancock County | $477 | $635 | 1 | |
| Iowa County | $421 | $697 | 7 | |
| Warren County | $362 | $499 | 2 |
Use this data
Download Iowa CSV (iowa.csv) — free to reuse with attribution. Read the full methodology for formulas, update cadence, and limitations. Source: FEMA OpenFEMA NFIP policy transaction data (FimaNfipPolicies).
"Iowa Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, May 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/iowa
Related guides
Editorial context for reading these numbers — how NFIP coverage and pricing work in practice, and what a flood map does and doesn’t tell you.