Flood history / Iowa / ZIP 52401
ZIP 52401
Linn County, IA
Property owners in ZIP 52401 have been paid $14.4M on 146 National Flood Insurance Program claims between 1993 and 2016 — an average of $99K a claim, across 6 separate years in which someone here filed and was paid.
The heaviest year
2016 is the heaviest year on file: 69 paid claims, 47.3% of the ZIP's total. That one year accounts for more than a quarter of the ZIP's entire record. The largest named event in the record is Storm, with 19 claims.
No paid claims are recorded here since 2017. That can mean the flooding stopped, that properties were bought out or elevated, or simply that fewer owners here carry flood insurance now.
| Named event | Paid claims | Share of record |
|---|---|---|
| Storm | 19 | 13.0% |
| Midwest Flooding | 4 | 2.7% |
Where the claims sat on the map
Of the 146 claims here that record a rated flood zone, 32 — 21.9% — were on properties rated outside the mapped high-risk area, in a B, C or X zone. Claims here concentrate inside the mapped high-risk area, which is what the maps intend. Flood insurance is not required outside the high-risk zone, and most properties there do not carry it — so these counts come from the minority who did.
The water near this ZIP
The closest gauges publishing official flood thresholds are Cedar River at Cedar Rapids (0.5 mi), Cedar River at Palo (9.2 mi) and Clear Creek (IA) near Oxford (18.3 mi). A gauge describes one point on one river — it will not see street drainage, sewer backup, storm surge or flash flooding.
Read current gauge conditions for 52401 →
What this does not say
These are paid National Flood Insurance Program claims, nothing more. They count insured properties whose owners filed and were paid, so they are a floor on how often this ZIP has flooded — never a measure of how likely it is to flood next. Uninsured flooding leaves no trace here at all.
The figures are aggregates published by FEMA. No individual claim, address or policyholder appears on this page or in the data behind it. Nothing here is a forecast, a warning, or advice about insurance.