Iowa homeowner guide
From move-in basics to emergency response: everything an Iowa homeowner needs to know, specific to this state's climate, hazards, and conditions.
1 Basic ownership
Iowa homeownership sits at the intersection of Tornado Alley and the blizzard belt. The state averages 40+ tornadoes per year, has experienced catastrophic derechos (the 2020 derecho caused $11 billion in damage), and faces significant spring flooding from the Missouri, Iowa, and Des Moines rivers. Most Iowa homes have basements.
Critical systems to locate
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Main water shutoff
At the meter or wall entry. Iowa's hard freezes can burst pipes. Know the shutoff before any forecast below 10°F.
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Gas shutoff and utility contacts
MidAmerican Energy serves much of Iowa. Alliant Energy (IPL) serves eastern regions. MidAmerican emergency: 1-800-595-5325. Alliant: 1-800-255-4268. Know your utility and meter shutoff location.
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Basement shelter location
Iowa has significant tornado risk; most Iowa homes have basements. Know your shelter room in the basement. If your home lacks a basement, identify the nearest community shelter.
Monthly priorities
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Sump pump check
Iowa's spring flooding and heavy rainfall make sump pump reliability critical. Test monthly by pouring water into the pit. Battery backup is essential before spring.
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HVAC maintenance
Iowa's extreme temperature range requires year-round HVAC attention. Service in spring and fall. Replace filters monthly during peak heating and cooling seasons.
2 Seasonal maintenance
Iowa's seasonal calendar: tornado and derecho season (spring to summer), blizzard preparation (fall), and spring flooding from snowmelt.
Spring (March to May): tornado, derecho, and flood prep
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Derecho and tornado awareness
The August 2020 Iowa derecho produced 100+ mph winds across the state, caused $11 billion in damage, and destroyed millions of acres of crops. Derechos look like a wall of cloud moving rapidly; they strike with little warning and produce straight-line winds as damaging as EF2 tornadoes. Have a NOAA weather radio.
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Iowa River and Missouri River flooding
Iowa's river systems flood most years during spring snowmelt. The 2008 Iowa City flooding was catastrophic. Know your flood zone, verify sump pump operation, and have flood barriers ready if applicable.
Fall (September to October): blizzard preparation
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Iowa blizzard prep
Iowa blizzards arrive October through April. Stock 7 days of supplies. Service the heating system. Insulate exposed pipes. Iowa's central location means blizzards can arrive with 24-48 hours notice.
3 Preventive protection
Storm shelter, flood insurance, and radon mitigation are Iowa's critical preventive priorities.
Radon mitigation
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All 99 Iowa counties are in EPA Zone 1
EPA Zone 1 is the highest radon potential. The Iowa HHS radon page says it is important for everyone to test their home. Test immediately. Mitigate if above 4 pCi/L.
Official sources
Flood insurance
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River valley homes need flood coverage
Iowa River, Cedar River, Des Moines River, and Missouri River communities experience flooding most years. Standard homeowners insurance does not cover flooding. NFIP or private flood insurance is essential.
4 Weather preparedness
Iowa faces tornadoes, derechos, blizzards, and spring flooding. The derecho risk is unique to the Midwest corn belt. Prepare specifically for it.
Tornado and derecho preparedness
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Tornado: shelter immediately
Iowa tornadoes peak April to June. Basement, interior room, lowest floor. NOAA weather radio.
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Derecho: shelter is the same as tornado
When a severe thunderstorm warning includes 'particularly dangerous situation' language or a sign-post of a derecho (line of storms moving 50+ mph) is in the forecast: take shelter in the basement or lowest interior room immediately. Treat derecho warnings exactly like tornado warnings.
5 Emergency response
Iowa emergency scenarios: tornado/derecho, blizzard, flooding, and pipe freeze.
Tornado warning response
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Shelter immediately
Warning = basement now. Lowest interior room, away from windows. Iowa has produced EF4 and EF5 tornadoes. Wait for NWS Des Moines or NWS Quad Cities all-clear.
Burst pipe
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Shut off and drain
Main water off at meter. Open all faucets. Photograph damage. Iowa plumber wait times after cold events: 48-72 hours.
Basement flooding
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Spring flood and storm sewer backup
Do not enter flooded basement if electrical equipment is submerged. Call MidAmerican (1-800-595-5325) or Alliant (1-800-255-4268) to disconnect at the meter. Pump out, dry immediately.
Power outage
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Iowa derecho and blizzard outages
The 2020 derecho caused 400,000+ customers to lose power. MidAmerican: 1-800-595-5325. Alliant Energy: 1-800-255-4268. Generator outside only, 20 feet from windows.
Gas leak
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Evacuate and call from outside
Rotten egg smell: everyone out. Leave door open. Call 911. MidAmerican Energy: 1-800-595-5325. Alliant Energy: 1-800-255-4268. Do not re-enter until cleared.
House fire: get out fast
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Two exits, coat accessible in winter, never re-enter
Two ways out of every room. Outdoor meeting place. Crawl under smoke. Call 911. Never go back inside.