A Mesoscale Convective Complex developed over north central and northeast Iowa during the overnight and early morning hours of the 18th and 19th of July. The first flash flood warnings were issued during the wee hours after midnight. The most intense rainfall, estimated by WSR-88D radar at 6 to 10 inches, fell over a relatively small area of Cerro Gordo and southern Worth Counties. The hardest hit area was around Manly, where unofficial rainfall totals of at least 13 inches were received from within the town. There was extensive flooding of homes, roads, and businesses from small streams and creeks. A tragedy was barely averted in the town of Rock Falls, when a sudden rise in flood waters on the Shell Rock River swept a number of camping vehicles downstream, requiring rescues from atop the campers. In the town of Nora Springs, downstream from Rock Falls, there was a small earthen dambreak on the Shell Rock River, which may have increased flows downstream. The dam was already being significantly overtopped at the time of failure, so it was difficult to determine the exact impact on the flows downstream. A flash flood watch was issued early on the 19th for much of western, central, and north central Iowa. Significant storms did develop overnight, but the heaviest rains fell in the western parts of the Des Moines HSA and fortunately there was only scattered light activity over northeast Iowa. Urban and small stream advisories were issued for Emmet and northern Palo Alto Counties, where radar estimated 2 to 4 inches of rainfall. The heaviest 24-hour gage report however was in Carroll, in the Middle Raccoon basin, with 2.96 inches. Another flash flood watch was issued early on the 20th for roughly the north half of Iowa. Factors cited in discussions about the potential for heavy rainfall included the presence of a very slow moving cold front, combined with 30 to 45 MPH low level winds feeding abundant moisture into the boundary. The forecasts for extreme rainfall were verified by tremendous rains which began late on the afternoon of the 20th. A flash flood warning was already issued by the early evening hours for southern Worth County, with radar estimated rainfall at 2 inches per hour. Storms continued to develop and train over the same areas during the evening hours, causing additional flash flood warnings in both Bremer and Butler Counties. Rainfall was heaviest in the cedar and Shell Rock River basin, as the band of intense rainfall sank slowly southward with the frontal boundary. Unofficial reports of 7 to 8 inches of rain were reported near Clarksville, located along the Cedar River in Butler County. River flood warnings were issued before midnight, late on the 20th, for the Cedar River from the Bremer County line southward into the Waterloo area. As additional rainfall reports were received early on Wednesday the 21st, the extent and degree of possible river flooding became evident. Radar estimated rainfall indicated a large area of greater than 6 inches of rainfall centred over Floyd County, with a center of 8 to 11 inches stretching from just south of Charles City westward to Rockford. The highest 24-hour gage report within the Cedar basin was at Charles City, with 6.65 inches. According to the Rainfall Frequency Atlas of the Midwest (Midwestern Climate Center - 1992), the 100-year, 24-hour rainfall in this part of northeast Iowa is around 6 inches, meaning that 2 out of 3 nights the rain gage at Charles City had rains at or in excess of the 100-year frequency at 2 hours. Consider that this rain fell in much less time than 24 hours, and it was likely NOT at the most intense rainfall center! With all of this new rain falling within the same basins as the two nights previous, new flood warnings for yet higher crests were issued for the Winnebago, Shell Rock, and Cedar Rivers. Forecasts predicted several record flood levels along these rivers, with lead times to crest from 8 hours to several days. Near record flooding occurred along the Shell Rock River at Marble Rock with the 2nd highest crest on record, while record floods occurred further downstream at Shell Rock and on the cedar River at Janesville. At Waterloo, rainfall over the West Fork Cedar River, Beaver Creek, and Black Hawk basin was much lower than in the Shell Rock and Cedar basins, reducing the inflows to the Cedar in Waterloo. Local officials in Cedar Falls, just upstream of Waterloo, stated that the crest exceeded the 1961 flood. The return frequency data for these river floods presents some interesting numbers. The most extreme flood in terms of return frequency was on the Cedar River at Janesville, where the discharge of 41,000 cubic feet per second (cfs) on July 22 made this about a 75-year flood (.015 exceedance probability). The stage at Janesville reached the highest stage on record. At Waterloo on the Cedar, the peak discharge of 65,700 cfs on July 23 was about a 20-year flood event (.05 exceedance probability). This stage was the 3rd highest on record. This highlights the importance of contributions from other tributaries to produce a major flood at Waterloo. On the Shell Rock River at Shell Rock, the peak discharge of 28.500 cfs on July 22 represented about a 25-year return frequency (.04 exceedance probability). Impacts from the flooding were extensive in terms of damaged infrastructure such as bridges and roads, flooded homes, and disruptions to normal life. There were no injuries or deaths in the Des Moines HSA, although several rescues and many evacuations were performed. Extensive sandbagging efforts saved important facilities in some towns, but others lost the battle. Some of the worst flooding took place in Waverly on the Cedar River, where about 1500 people were evacuated. A total of at least 600 homes in the town of Waverly had to be evacuated due to the high water. Extensive flooding also occurred in Rockford and Greene on the Shell rock River. Part of the downtown area and several neighbourhoods in Cedar Falls were saved from flooding only by the emergency completion of a levee which was already in the process of being built by the U.S. Army Corps of Engineers. In addition, the Presidential Disaster Declaration for the July 2-3 Flooding was extended to include the July 18-22 flooding.