Adams County, Iowa
Natural disaster risk, federal disaster history and flood insurance facts.
Adams County, Iowa has a very low overall risk from natural hazards in FEMA's National Risk Index. Its risk score is lower than 80% of US counties. It ranks 85th of 99 counties in Iowa. The costliest hazards here are drought, inland flooding and cold waves. FEMA estimates about $8.0 million a year in expected losses, or roughly $2,161 per resident. Since 1972 it has been included in 15 federal disaster or emergency declarations for natural events (14 major disasters). The most recent was in May 2024 (severe storms, tornadoes and flooding). Only 2 homes here carry federal flood insurance.
FEMA National Risk Index December 2025; OpenFEMA declarations to Nov 6, 2026; NFIP records. Updated November 6, 2026.
Top risks in Adams County
- Check local water restrictions.
- Choose drought-tolerant plants.
- Check the FEMA flood map for your address, and ask the seller or landlord about past flooding.
- Price a flood policy now. Most new federal policies take 30 days to start.
- Insulate pipes in outside walls, crawl spaces and garages.
- Know how to shut off the main water valve.
All 18 hazards
What the ratings mean ›| Hazard | Rating | Score | Expected loss a year | |
|---|---|---|---|---|
| Drought | 95.6 | $3M | ||
| Inland flooding | 11.5 | $2M | ||
| Cold wave | 56.4 | $1M | ||
| Tornado | 38.0 | $848K | ||
| Heat wave | 53.0 | $468K | ||
| Strong wind | 27.9 | $292K | ||
| Hail | 50.3 | $286K | ||
| Winter weather | 19.1 | $18K | ||
| Lightning | 5.2 | $18K | ||
| Wildfire | 31.7 | $17K | ||
| Ice storm | 18.9 | $16K | ||
| Earthquake | 8.2 | $9K | ||
| Landslide | 56.8 | $2K | ||
| Hurricane | 8.4 | $1K |
Scores are percentiles: a score of 90 means higher risk than about 90% of US counties for that hazard. Hazards FEMA does not rate here are left out. Social vulnerability is relatively low and community resilience is relatively moderate in FEMA's measures.
Federal disaster history
Recent disasters nationwide ›Declarations by decade
Federal declarations for natural events that included Adams County. 2020s bar runs to November 2026.
By type
Most recent
Show all 15
Iowa also had 11 statewide declarations that did not name single counties.
Storm history since 1956
Tornado risk by county ›The National Weather Service has logged 267 storm reports in Adams County since 1956, with 1 death and 6 injuries and about $58.5 million in reported damage. The strongest on record here was an F4 tornado on May 24, 1989.
Strongest tornadoes
| Date | Strength | Near | Hurt / killed |
|---|---|---|---|
| May 24, 1989 | F4 | – | 0 / 0 |
| Apr 8, 1999 | F4 | Nodaway | 1 / 0 |
| May 21, 2024 | EF3 | Nodaway | 0 / 1 |
| Jun 7, 1984 | F3 | – | 0 / 0 |
| May 21, 2024 | EF3 | Dickieville | 0 / 0 |
Most damaging storms
| Date | Type | Near | Damage |
|---|---|---|---|
| May 24, 1989 | Tornado | – | $25M |
| Jun 12, 2010 | Flood | Lincoln Center | $20M |
| Jun 7, 1984 | Tornado | – | $3M |
| May 21, 2024 | Tornado | Nodaway | $2M |
| Apr 8, 1999 | Tornado | Nodaway | $1M |
| May 21, 2024 | Tornado | Dickieville | $1M |
Source: NOAA Storm Events Database, county-based reports through Apr 17, 2025. Tornado records start in 1950, hail and wind in 1955, and floods and other storm types in 1996, so older decades undercount. Damage is in dollars of the year it happened and is often an estimate. Winter storms, heat and hurricanes are logged by forecast zone, not county, so they are not counted here.
Flood insurance in Adams County
Check your address flood zone ›National Flood Insurance Program (NFIP) records only; private flood policies are not included. Home counts as of Aug 3, 2026. Since 2021 NFIP prices each home separately under Risk Rating 2.0, so your price depends on the building, not the county. Ask an agent for a quote.
Homes in Adams County
Older homes and mobile homes usually suffer more damage in storms, floods and earthquakes, and can cost more to insure. If you are buying, ask about roof age, foundation bolting and any retrofits. Source: US Census Bureau, American Community Survey 2020 to 2024 5-year estimates; 1,889 housing units.
Compare in Iowa
All 99 ›| Largest counties | Overall risk | Top hazard |
|---|---|---|
| Polk County | Inland flooding | |
| Linn County | Inland flooding | |
| Scott County | Inland flooding | |
| Johnson County | Tornado | |
| Black Hawk County | Inland flooding | |
| Woodbury County | Inland flooding | |
| Dallas County | Inland flooding | |
| Dubuque County | Inland flooding |
Neighboring counties
| County | Overall risk | Declarations |
|---|---|---|
| Page County | 14 | |
| Cass County | 17 | |
| Union County | 19 | |
| Montgomery County | 18 | |
| Adair County | 15 | |
| Taylor County | 12 | |
| Ringgold County | 18 |
Common questions about Adams County
What is the biggest natural hazard in Adams County?
Drought has the highest expected yearly losses in Adams County, about $3.1 million a year in FEMA's estimate. Inland flooding is second at $1.6 million.
How many federal disasters has Adams County had?
Adams County has been included in 15 federal disaster or emergency declarations for natural events since 1972, including 14 major disasters. The most recent was Severe Storms, Tornadoes, and Flooding in May 2024.
Is Adams County a high-risk place to live?
Its overall rating is Very Low, 85th highest of 99 in Iowa. A county rating covers the whole area. Risk at one address can be much higher or lower, so check the FEMA flood map and ask about the home's history.
Do I need flood insurance in Adams County?
Standard home insurance does not cover flooding. About 1 in 1000 homes in Adams County has federal flood insurance. Lenders require it in mapped high-risk zones, but many flood claims come from outside those zones.
How many tornadoes has Adams County had?
NOAA records list 26 tornadoes in Adams County since 1950. The strongest was an F4 tornado on May 24, 1989. The weather service has also logged 102 hail reports and 32 floods here.
Sources: FEMA National Risk Index (December 2025), OpenFEMA Disaster Declarations Summaries, and NFIP policy and claims data. Hazard Compass is independent and not affiliated with FEMA. These figures describe the whole county, not a single property, and are not insurance or safety advice. Report a problem.