Iowa County, Iowa
Natural disaster risk, federal disaster history and flood insurance facts.
Iowa County, Iowa has a very low overall risk from natural hazards in FEMA's National Risk Index. Its risk score is lower than 72% of US counties. It ranks 70th of 99 counties in Iowa. The costliest hazards here are inland flooding, tornadoes and strong wind. FEMA estimates about $11 million a year in expected losses, or roughly $669 per resident. Since 1969 it has been included in 21 federal disaster or emergency declarations for natural events (20 major disasters). The most recent was in May 2024 (severe storms, tornadoes and flooding). Fewer than 1 in 100 homes here carry federal flood insurance (98 policies). Since 1978, federal flood insurance has paid about $267,000 on 36 claims here.
FEMA National Risk Index December 2025; OpenFEMA declarations to Nov 6, 2026; NFIP records. Updated November 6, 2026.
Top risks in Iowa 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.
- Secure outdoor furniture and trash bins before storms.
- Have trees near the house checked.
All 18 hazards
What the ratings mean ›| Hazard | Rating | Score | Expected loss a year | |
|---|---|---|---|---|
| Inland flooding | 32.6 | $4M | ||
| Tornado | 59.9 | $2M | ||
| Strong wind | 81.7 | $2M | ||
| Drought | 75.2 | $843K | ||
| Hail | 73.5 | $787K | ||
| Heat wave | 49.7 | $437K | ||
| Cold wave | 24.7 | $381K | ||
| Wildfire | 61.1 | $109K | ||
| Winter weather | 52.3 | $83K | ||
| Ice storm | 44.5 | $79K | ||
| Lightning | 17.1 | $70K | ||
| Earthquake | 26.2 | $60K | ||
| Landslide | 70.6 | $7K | ||
| Hurricane | 10.9 | $3K |
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 very high in FEMA's measures.
Federal disaster history
Recent disasters nationwide ›Declarations by decade
Federal declarations for natural events that included Iowa 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 370 storm reports in Iowa County since 1953, with 0 deaths and 22 injuries and about $38.5 million in reported damage. The strongest on record here was an F4 tornado on June 7, 1984.
Strongest tornadoes
| Date | Strength | Near | Hurt / killed |
|---|---|---|---|
| Jun 7, 1984 | F4 | – | 0 / 0 |
| Aug 12, 1974 | F4 | – | 2 / 0 |
| May 8, 1988 | F2 | – | 0 / 0 |
| Apr 27, 1991 | F2 | – | 0 / 0 |
| May 22, 2011 | EF2 | Koszta | 0 / 0 |
Most damaging storms
| Date | Type | Near | Damage |
|---|---|---|---|
| Jun 7, 1984 | Tornado | – | $25M |
| May 8, 1988 | Tornado | – | $3M |
| May 10, 2003 | Hail | Williamsburg | $1M |
| Apr 3, 2011 | Hail | Homestead | $1M |
| Jun 29, 1998 | Thunderstorm Wind | Countywide | $800K |
| Jun 22, 2007 | Flash Flood | Marengo | $750K |
Source: NOAA Storm Events Database, county-based reports through Jul 20, 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 Iowa 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 Iowa 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; 7,369 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 |
|---|---|---|
| Linn County | 21 | |
| Johnson County | 22 | |
| Benton County | 16 | |
| Washington County | 13 | |
| Poweshiek County | 13 | |
| Tama County | 19 | |
| Keokuk County | 17 |
Common questions about Iowa County
What is the biggest natural hazard in Iowa County?
Inland flooding has the highest expected yearly losses in Iowa County, about $4.5 million a year in FEMA's estimate. Tornado is second at $2.1 million.
How many federal disasters has Iowa County had?
Iowa County has been included in 21 federal disaster or emergency declarations for natural events since 1969, including 20 major disasters. The most recent was Severe Storms, Tornadoes, and Flooding in May 2024.
Is Iowa County a high-risk place to live?
Its overall rating is Very Low, 70th 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 Iowa County?
Standard home insurance does not cover flooding. About 1 in 125 homes in Iowa 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 Iowa County had?
NOAA records list 34 tornadoes in Iowa County since 1950. The strongest was an F4 tornado on June 7, 1984. The weather service has also logged 125 hail reports and 58 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.