Des Moines Leads the Way in Flood Insurance and Prevention

Des Moines is setting a positive example in managing rising flood insurance premiums through proactive flood prevention efforts. The city’s initiatives are helping to mitigate risks and keep insurance costs more manageable.

Published on August 16, 2024

flood insurance
Gray’s Lake Park in Des Moines, Iowa

Des Moines is setting a positive example in managing rising flood insurance premiums through proactive flood prevention efforts. The city’s initiatives, including improvements to infrastructure and floodplain management, are helping to mitigate risks and keep insurance costs more manageable.

FEMA’s Risk Rating 2.0 Impact

While FEMA’s Risk Rating 2.0 has led to higher premiums nationwide, Des Moines’ commitment to flood prevention has softened the blow, making the city a model for balancing risk and affordability.

Collaborative Efforts

The collaboration between local officials, insurers, and residents has been key to maintaining affordable flood insurance in Des Moines. By investing in prevention, the city is reducing its long-term flood risks, which benefits both homeowners and insurers.

A Blueprint for Other Cities

Des Moines’ approach could serve as a blueprint for other cities facing similar challenges. The emphasis on preventive measures, coupled with community and insurer cooperation, is proving effective in managing the rising costs associated with flood insurance.