Howard County, Iowa
Natural disaster risk, federal disaster history and flood insurance facts.
Howard County, Iowa has a very low overall risk from natural hazards in FEMA's National Risk Index. Its risk score is lower than 84% of US counties. It ranks 92nd of 99 counties in Iowa. The costliest hazards here are inland flooding, tornadoes and drought. FEMA estimates about $9.2 million a year in expected losses, or roughly $975 per resident. Since 1968 it has been included in 21 federal disaster or emergency declarations for natural events (20 major disasters). The most recent was in June 2024 (severe storms, flooding, straight-line winds and tornadoes). Only 14 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 Howard County
- 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.
- Pick a shelter spot: a basement, or an inside room on the lowest floor with no windows.
- Turn on emergency alerts on your phone and keep a weather radio.
- Check local water restrictions.
- Choose drought-tolerant plants.
All 18 hazards
What the ratings mean ›| Hazard | Rating | Score | Expected loss a year | |
|---|---|---|---|---|
| Inland flooding | 25.4 | $4M | ||
| Tornado | 40.6 | $1M | ||
| Drought | 78.3 | $1M | ||
| Strong wind | 47.6 | $766K | ||
| Hail | 59.8 | $569K | ||
| Cold wave | 27.2 | $547K | ||
| Lightning | 21.4 | $110K | ||
| Heat wave | 16.7 | $66K | ||
| Winter weather | 29.2 | $43K | ||
| Ice storm | 21.1 | $27K | ||
| Earthquake | 6.8 | $10K | ||
| Wildfire | 9.3 | $4K | ||
| Hurricane | 9.6 | $3K | ||
| Landslide | 22.1 | $218 |
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 very low and community resilience is relatively high in FEMA's measures.
Federal disaster history
Recent disasters nationwide ›Declarations by decade
Federal declarations for natural events that included Howard County. 2020s bar runs to November 2026.
By type
Most recent
Show all 21
Iowa also had 11 statewide declarations that did not name single counties.
Storm history since 1953
Tornado risk by county ›The National Weather Service has logged 303 storm reports in Howard County since 1953, with 0 deaths and 30 injuries and about $23.8 million in reported damage. The strongest on record here was an F5 tornado on May 15, 1968.
Strongest tornadoes
| Date | Strength | Near | Hurt / killed |
|---|---|---|---|
| May 15, 1968 | F5 | – | 12 / 0 |
| Jul 12, 1971 | F4 | – | 4 / 0 |
| May 5, 1965 | F4 | – | 5 / 0 |
| May 5, 1965 | F4 | – | 0 / 0 |
| May 10, 1953 | F4 | – | 2 / 0 |
Most damaging storms
| Date | Type | Near | Damage |
|---|---|---|---|
| Sep 2, 2011 | Thunderstorm Wind | Riceville | $8M |
| Jul 12, 1971 | Tornado | – | $3M |
| Jun 7, 2008 | Flood | Protivin | $2M |
| May 27, 2019 | Tornado | Maple Leaf | $1M |
| Sep 2, 2011 | Thunderstorm Wind | Saratoga | $740K |
| Dec 15, 2021 | Tornado | Schley | $600K |
Source: NOAA Storm Events Database, county-based reports through Jul 8, 2026. 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 Howard 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 Howard 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; 4,320 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 |
|---|---|---|
| Mower County, MN | 14 | |
| Fillmore County, MN | 16 | |
| Winneshiek County | 19 | |
| Floyd County | 18 | |
| Chickasaw County | 17 | |
| Mitchell County | 18 |
Common questions about Howard County
What is the biggest natural hazard in Howard County?
Inland flooding has the highest expected yearly losses in Howard County, about $4.5 million a year in FEMA's estimate. Tornado is second at $1.3 million.
How many federal disasters has Howard County had?
Howard County has been included in 21 federal disaster or emergency declarations for natural events since 1968, including 20 major disasters. The most recent was Severe Storms, Flooding, Straight-Line Winds, and Tornadoes in June 2024.
Is Howard County a high-risk place to live?
Its overall rating is Very Low, 92nd 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 Howard County?
Standard home insurance does not cover flooding. About 1 in 333 homes in Howard 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 Howard County had?
NOAA records list 44 tornadoes in Howard County since 1950. The strongest was an F5 tornado on May 15, 1968. The weather service has also logged 98 hail reports and 33 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.