Iowa Home InsuranceFlood insurance discounts in Iowa
Flood discounts in Iowa
Flooding is never covered by a standard homeowners policy. But where you live can cut the price of a flood policy: communities in FEMA's Community Rating System earn their residents a discount automatically.
Of the 769 Iowa communities in the National Flood Insurance Program, 15 are in the rating system. Everywhere else, there is no community discount at all.
| Community | Class | Discount in high-risk zones |
|---|---|---|
| Clive | 4 | 30% |
| Cedar Falls | 5 | 25% |
| Des Moines | 5 | 25% |
| Iowa City | 6 | 20% |
| Cedar Rapids | 6 | 20% |
Source: FEMA NFIP Community Status Book.
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