Tama County, IA zoning map, flood zone and property lines by address
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Towns in Tama County: Tama, Toledo, Traer.
Flood zone by address
ParcelSheet reads FEMA's National Flood Hazard Layer at the lot: the zone, whether it is a high risk area where lenders ask for flood insurance, and the base flood elevation where FEMA lists one. FEMA's countywide study for Tama County has 43 FIRM panels, the newest effective October 2021; no coastal V zones are mapped in it.
The official panel and any Letter of Map Amendment are at FEMA's Map Service Center. An elevation certificate for a Tama house comes from a licensed surveyor and is often on file with the county or city building office.
Property lines
The parcel outline, parcel number and mapped size come from the Iowa county parcel layers (each county publishes its own), so a Tama lot shows the same lines the county assessor draws. Tama County covers about 461,447 acres of land and 684 acres of water.
Mapped lines are approximate. The Tama County assessor keeps the parcel record (Tama County website); a licensed surveyor sets the true corners.
Zoning
Tama County zones its unincorporated land, and Tama, Toledo, Traer each zone the land inside their limits. ParcelSheet shows the use the county assessor lists for the lot and links the county zoning office for the district, the uses it allows and the lot size it needs.
ADU and guest houses
Under Iowa's county zoning law (Iowa Code Chapter 335), local governments can allow an accessory dwelling unit on a lot with a house. Whether a Tama lot can add one depends on its district; the county zoning office has the rule. ParcelSheet shows the mapped lot size and the ground's slope, the first two things the question turns on.
Septic and soil
ParcelSheet reads the USDA soil survey at the lot: the soil's name, its septic absorption rating and whether it is prime farmland. Tama County is soil survey area IA171, Tama County, Iowa, last updated September 2026, on Web Soil Survey.
A new or changed septic system in Tama County needs a permit from the Tama County environmental health department (county board of health, under Iowa Department of Natural Resources rules).
Setbacks
Setbacks in Tama County come from the zoning district: the front, side and rear distances a house must keep. ParcelSheet does not draw setback lines; the county zoning office gives them for the lot's district, and Tama, Toledo, Traer for land inside their limits.
Hazards that apply
- Wetlands and wildfire. ParcelSheet shows the National Wetlands Inventory near a Tama lot and the Forest Service wildfire hazard rating at it.
Questions
Is my house in a flood zone in Tama County?
Type the address in the box above and ParcelSheet reads FEMA's flood zone at the lot's center. FEMA's countywide flood map for Tama County has 43 panels, the newest effective October 2021. A lender or insurer uses the official FIRM panel; FEMA's Map Service Center has it.
How do I find property lines in Tama County?
Open the Iowa map, type the address, and the parcel outline from the Tama County assessor shows on the map with its parcel number and mapped size. Mapped lines are approximate; only a licensed surveyor sets the true corners.
What is my property zoned in Tama County?
Zoning in Tama County is set by the county for unincorporated land and by each city (such as Tama, Toledo) inside its own limits. ParcelSheet shows the use code the county assessor lists and links the office that sets the zoning; the planning office has the final word.
Can I build an ADU in Tama County?
Under Iowa's county zoning law (Iowa Code Chapter 335), counties and cities can allow an accessory dwelling unit, and each sets its own rules. In Tama County ask the zoning office for the lot's district first; ParcelSheet shows the lot size as mapped so you can see the room you have.
Do I need a septic permit in Tama County?
Yes. A new or changed septic system in Tama County needs a permit from the Tama County environmental health department (county board of health, under Iowa Department of Natural Resources rules). ParcelSheet shows the USDA soil survey's septic rating at the lot, from survey area IA171 (Tama County, Iowa).
What can I build on 5 acres in Tama County?
Zoning in Tama County is set by the county for unincorporated land and each city inside its own limits (such as Tama, Toledo). The zoning district decides the uses, how many homes and the smallest lot it allows on 5 acres. ParcelSheet shows the lot size as mapped and the use code on the parcel record; the planning office has the district and its rules. See the Tama County website.
What are the residential setbacks in Tama County (2026)?
Setbacks in Tama County come from the zoning code of the county, or of the city when the lot is inside city limits: the front, side and rear distances depend on the lot's district. ParcelSheet does not draw setback lines or give a number it did not read; the zoning office gives them for the district. See the Tama County website.
Next to Tama County: Benton County, Black Hawk County, Grundy County, Marshall County, Poweshiek County.
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