Jones County, IA flood risk explained
Flood hazard in Jones County sits at the 46.4th national percentile, below the national norm for flood hazard; driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.4 times a year. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Mandatory flood insurance compliance in Jones County
Out of 535 homes FEMA counts inside Jones County's mapped flood zone, 29 carry the flood policy federal law requires there — 5.4% compliance, short of full coverage. Looking beyond the mandated zone, 0.4% of all residential structures in Jones County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Jones County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Jones County ranks 1745 — 1 being the highest hazard nationally — and 1764 by population among all 3144 counties covered here, where 1 is the largest. Jones County, Iowa covers 575.618 square miles and counts roughly 21,116 residents.
What to do next if you own or are buying in Jones County
Across all of Jones County's 12,168 residential structures, 42 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Jones County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. If you're unsure why any of this insurance requirement exists at all, the SFHA explainer covers it from first principles.