724.4 CARRYING WEAPONS.
1. Except as otherwise provided in this section,
a person who goes armed with a dangerous weapon concealed on or about the person, or who,
within the limits of any city, goes armed with a pistol or revolver, or
any loaded firearm of any kind, whether concealed or not, or who knowingly carries or transports in a vehicle a pistol or revolver, commits an aggravated misdemeanor.
...
4. Subsections 1 through 3 do not apply to any of the following:
.....
724.4. 4. i. A person who has in the person's possession and who displays to a peace officer on demand a valid permit to carry weapons which has been issued to the person, and whose conduct is within the limits of that permit.....
724.5 DUTY TO CARRY PERMIT TO CARRY WEAPONS.
A person armed with a revolver, pistol, or pocket billy concealed upon the person shall have in the person's immediate possession the permit provided for in section 724.4, subsection 4, paragraph "i", and shall produce the permit for inspection at the request of a peace officer. Failure to so produce a permit is a simple misdemeanor.
From the reading of the Iowa Code, it would appear that one must carry and present 100% of the time if concealed, AND must carry and present whenever within the city limits of any city whether concealed or openly carrying. Unless I was very sure of where each and every city limit was, I'd probably carry a permit at all times.
That's a bit stricter than even my home state of Georgia, where one must carry a weapons license for both open or concealed carry, unless it's a longarm
. (Oddly enough, rifles with barrels <18 inches aren't even listed as longarms, so a 16" carbine in completely unregulated except for in specified areas, (silly legislators).