Howard County
Iowa — Natural Disaster Risk Assessment
Very LowComposite Risk Score
National percentile: 16th
Howard County faces very low composite natural disaster risk (NRI Risk Index score 15.6, 16th national percentile), driven primarily by drought and hail exposure. Expected annual loss across all 18 hazard types is $9M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Drought | Medium | 15.81 / yr | $1M |
| Hail | Low | 4.58 / yr | $569K |
| Strong Wind | Low | 3.76 / yr | $766K |
| Tornado | Low | 0.34 / yr | $1M |
| Winter Weather | Low | 18.68 / yr | $43K |
| Cold Wave | Low | 9.68 / yr | $547K |
| Riverine Flood | Very Low | 1.04 / yr | $4M |
| Landslide | Very Low | 0.05 / yr | $218 |
| Lightning | Very Low | 38.26 / yr | $110K |
| Ice Storm | Very Low | 0.74 / yr | $27K |
| Heat Wave | Very Low | 3.84 / yr | $66K |
| Hurricane | Very Low | 0.01 / yr | $3K |
| Wildfire | Very Low | 0.00 / yr | $4K |
| Earthquake | Very Low | 0.00 / yr | $10K |
| Avalanche | Very Low | 0.00 / yr | $0 |
| Coastal Flood | Very Low | 0.00 / yr | $0 |
| Tsunami | Very Low | 0.00 / yr | $0 |
| Volcanic Activity | Very Low | 0.00 / yr | $0 |
Frequently Asked Questions
What is the overall natural disaster risk for Howard County?
Howard County has a composite FEMA National Risk Index score of 15.6 out of 100, placing it in the Very Low category and the 16th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Howard County?
The three highest-rated hazards are Drought (Medium, $1M EAL), Hail (Low, $569K EAL), Strong Wind (Low, $766K EAL). These account for most of the county's expected annual losses.
How does Howard County compare to other Iowa counties?
Howard County ranks #92 of 99 Iowa counties for overall natural disaster risk, with a very low rating.
What does Expected Annual Loss (EAL) mean?
EAL is FEMA's estimate of average annual dollar losses from natural hazards, calculated from historical event data and exposure models. Howard County's $9M EAL is a statistical average, not a guarantee for any specific year or address.