Flood insurance cost · Linn County, IA

Flood insurance cost in Linn County, Iowa

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 615 home policies in force on August 31, 2026.

Linn County, IowaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,093a year

Half of insured homes paid between $782 and $1,362. That is 4% more than the Iowa median ($1,054). Most insured homes here are rated in zone X (62%).

$0$782 · $1,093 · $1,362$1,702

+10.1% vs Aug 31, 2025 (median $993)

615home policies in force

$1,108average cost (mean)

38%of insured homes in high-risk zones (A, V)

$200,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Cost by flood zone in Linn County

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone AE High risk	$1,228	$948–$1,577	$1,328	225 (37%)	+7.2%
Zone A High risk	$1,100	$877–$1,311	$1,132	10 (2%)	+9.6%
Zone X Moderate to low risk	$1,019	$686–$1,205	$977	380 (62%)	+10.2%

Not shown (fewer than 10 home policies): VE, AO, AH, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Linn County, by what they insure.

Type of building	Policies	Median	Average
Single-family home	554	$1,100	$1,111
2–4 unit building	41	$1,315	$1,326
Condo or apartment unit	17	$450	$531
Whole residential building (5+ units or condo association) One policy covers the whole building, so the cost is much higher than for a single home.	34	$2,022	$3,576
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	299	$2,736	$3,149

Not shown (fewer than 10 policies): manufactured (mobile) home.

948NFIP policies in force, any building

1,096insured units (condo association policies count every unit)

80%of home policies also cover contents

$71,000median contents coverage, when bought

One year on: Linn County

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

	Aug 31, 2025	Aug 31, 2026	Change
Home policies in force	673	615	−8.6%
Median annual cost	$993	$1,093	+10.1%
Average annual cost	$1,027	$1,108	+7.9%
All policies in force (any building)	1,011	948	−6.2%

How many homes have flood insurance?

0.7%of all homes in Linn County have an NFIP policy

23.8%of homes in high-risk zones (special flood hazard area) have one

90,749residential buildings counted by FEMA

1,061of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Linn County, Iowa have filed 1,350 flood claims. 1,111 received a payment, for a total of $69.4 million (an average of $62,476 per paid claim). The year with the most claims was 2008 (639 claims). Amounts are in dollars of the time, not adjusted for inflation.

Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.

All years with at least 10 claims (12)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2016	187	133	$1,219,452	$9,169
2014	138	120	$2,128,999	$17,742
2013	46	21	$197,062	$9,384
2010	10	10	$225,042	$22,504
2009	35	30	$298,121	$9,937
2008	639	600	$63,731,673	$106,219
2004	10	<10	–	–
2002	20	15	$103,065	$6,871
1999	29	27	$476,653	$17,654
1993	139	90	$602,295	$6,692
1990	14	<10	–	–
1982	35	27	$86,175	$3,192

From 2016 to 2026: 187 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Main NFIP communities in the county

Cedar Rapids (405 home policies) · Unincorporated Linn County (63 home policies) · Marion (57 home policies) · Palo (53 home policies)