Data · July 2026 data · 15-month trend
Iowa Flood Insurance Costs
Flood insurance policies newly written or renewed in Iowa during July 2026 carried an average premium of $1,318. The state pays more than the country as a whole — 33.8% above the $986 national average. The figure is up 6.6% year over year. In all, 873 policies were written or renewed across 66 counties that month, and Muscatine County topped the county table at $2,829.
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 — July 2026
- Average premium
- $1,318
- Avg total cost (with fees)
- $1,714
- Change (year over year)
- +6.6%
- vs national average
- +33.8%
- Policies written or renewed
- 873
- Counties reporting
- 66
Iowa trend, last 15 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 | 860 | |
| June 2025 | $1,322 | $1,722 | 927 | |
| July 2025 | $1,237 | $1,614 | 916 | |
| August 2025 | $1,186 | $1,551 | 786 | |
| September 2025 | $1,379 | $1,789 | 782 | |
| October 2025 | $1,315 | $1,696 | 726 | |
| November 2025 | $1,209 | $1,583 | 576 | |
| December 2025 | $1,214 | $1,591 | 641 | |
| January 2026 | $1,424 | $1,854 | 518 | |
| February 2026 | $1,283 | $1,673 | 564 | |
| March 2026 | $1,478 | $1,904 | 876 | |
| April 2026 | $1,105 | $1,450 | 1,051 | |
| May 2026 | $1,123 | $1,469 | 824 | |
| June 2026 | $1,424 | $1,844 | 852 | |
| July 2026 | $1,318 | $1,714 | 873 |
County breakdown — July 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 |
|---|---|---|---|---|
| Muscatine County | $2,829 | $3,548 | 18 | |
| Woodbury County | $2,826 | $3,550 | 22 | |
| Cedar County | $2,310 | $2,888 | 5 | |
| Story County | $1,840 | $2,406 | 18 | |
| Scott County | $1,761 | $2,222 | 78 | |
| Hardin County | $1,722 | $2,217 | 2 | |
| Polk County | $1,696 | $2,174 | 99 | |
| Dubuque County | $1,668 | $2,102 | 11 | |
| Fremont County | $1,627 | $2,056 | 7 | |
| Winneshiek County | $1,556 | $2,020 | 4 | |
| Ida County | $1,525 | $2,021 | 3 | |
| Jackson County | $1,446 | $1,778 | 2 | |
| Clayton County | $1,389 | $1,813 | 11 | |
| Linn County | $1,386 | $1,801 | 99 | |
| Allamakee County | $1,373 | $1,917 | 4 | |
| Webster County | $1,367 | $1,685 | 1 | |
| Jones County | $1,367 | $1,685 | 6 | |
| Cerro Gordo County | $1,314 | $1,622 | 6 | |
| Jasper County | $1,278 | $1,676 | 7 | |
| Guthrie County | $1,265 | $1,725 | 7 | |
| Cass County | $1,263 | $1,637 | 6 | |
| Butler County | $1,257 | $1,646 | 10 | |
| Benton County | $1,226 | $1,575 | 8 | |
| Washington County | $1,203 | $1,642 | 6 | |
| Floyd County | $1,198 | $1,514 | 8 | |
| Montgomery County | $1,127 | $1,484 | 11 | |
| Black Hawk County | $1,127 | $1,509 | 59 | |
| Chickasaw County | $1,109 | $1,456 | 3 | |
| Clinton County | $1,099 | $1,506 | 23 | |
| Johnson County | $1,091 | $1,446 | 64 | |
| Cherokee County | $1,063 | $1,439 | 4 | |
| Bremer County | $1,048 | $1,356 | 14 | |
| Buchanan County | $1,032 | $1,354 | 7 | |
| Boone County | $1,026 | $1,508 | 1 | |
| Wapello County | $1,009 | $1,263 | 1 | |
| Van Buren County | $996 | $1,292 | 5 | |
| Monona County | $951 | $1,278 | 8 | |
| Pottawattamie County | $941 | $1,220 | 77 | |
| Clay County | $938 | $1,179 | 8 | |
| Wright County | $935 | $1,287 | 2 | |
| Lyon County | $928 | $1,167 | 3 | |
| Des Moines County | $917 | $1,236 | 25 | |
| Mills County | $909 | $1,201 | 4 | |
| Sioux County | $863 | $1,180 | 5 | |
| Louisa County | $860 | $1,156 | 13 | |
| Humboldt County | $838 | $1,061 | 1 | |
| Dickinson County | $835 | $1,057 | 3 | |
| Warren County | $817 | $1,036 | 3 | |
| Franklin County | $809 | $1,027 | 1 | |
| Delaware County | $806 | $1,023 | 2 | |
| Lee County | $800 | $1,196 | 5 | |
| Harrison County | $723 | $976 | 22 | |
| Plymouth County | $702 | $901 | 2 | |
| Mahaska County | $672 | $865 | 1 | |
| FIPS 19000 | $655 | $1,070 | 1 | |
| Dallas County | $653 | $907 | 7 | |
| Marshall County | $626 | $811 | 3 | |
| Kossuth County | $623 | $807 | 1 | |
| Fayette County | $595 | $774 | 3 | |
| Buena Vista County | $593 | $771 | 2 | |
| Tama County | $565 | $851 | 2 | |
| Iowa County | $563 | $840 | 13 | |
| Madison County | $493 | $654 | 1 | |
| Poweshiek County | $457 | $836 | 3 | |
| Howard County | $423 | $751 | 5 | |
| Shelby County | $421 | $793 | 7 |
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 (NFIP Redacted Policies v3).
"Iowa Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, July 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/iowa
Related guides
Compare county data, then use the editorial guides to understand how NFIP coverage and pricing work in practice.