Flood history · Spencer, IA 51301
Flood insurance claims in Spencer, IA 51301
76 claims since 1979 and $5.4 million paid. Here's what the public record shows, and how to check a specific address.
Claims by year
Every NFIP flood insurance claim reported in ZIP 51301 since 1978.
What the record says
88% of claims were on properties in high-risk zones and 12% outside them.
One event dominates the record: June Midwest Flooding accounts for 72% of all claims in this ZIP code.
Flooding here is recent: 62 claims (82%) were in the last 10 years.
The most commonly recorded cause is rivers, streams or lakes overflowing.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| June Midwest Flooding | 2024 | 55 | 72% |
| Midwest Flooding | 1993 | 2 | 3% |
| Iowa Flooding | 2024 | 2 | 3% |
| Late spring storms | 2011 | 1 | 1% |
| Tropical Storm Erin | 2007 | 1 | 1% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in Clay County
Flood, hurricane and storm declarations since 2000.
12 flood, storm or hurricane declarations for Clay County since 2000.
Check a specific address in Spencer.
ZIP-level history is the backdrop. See the official FEMA flood zone, ground elevation and next steps for one property, free.
Sources: FEMA OpenFEMA NFIP Redacted Claims (v3) and Disaster Declarations Summaries, FEMA NFIP Community Status Book; place names from GeoNames (CC BY 4.0). Data as of 2026-10-09. Payments are net building + contents payments in dollars at the time paid, not adjusted for inflation. Claims are grouped by the ZIP code reported on the claim. This product uses the FEMA OpenFEMA API but is not endorsed by FEMA. Information only; not an official flood zone determination or insurance advice.