Winnebago County
Iowa — Natural Disaster Risk Assessment
Very LowComposite Risk Score
National percentile: 31th
Winnebago County faces very low composite natural disaster risk (NRI Risk Index score 30.7, 31th national percentile), driven primarily by drought and cold wave exposure. Expected annual loss across all 18 hazard types is $10M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Drought | High | 13.64 / yr | $3M |
| Cold Wave | Medium | 11.37 / yr | $2M |
| Winter Weather | Medium | 19.74 / yr | $100K |
| Hail | Low | 4.39 / yr | $386K |
| Tornado | Low | 0.34 / yr | $1M |
| Strong Wind | Low | 3.66 / yr | $418K |
| Landslide | Very Low | 0.05 / yr | $325 |
| Riverine Flood | Very Low | 1.18 / yr | $3M |
| Ice Storm | Very Low | 0.60 / yr | $20K |
| Lightning | Very Low | 40.41 / yr | $71K |
| Wildfire | Very Low | 0.00 / yr | $4K |
| Earthquake | Very Low | 0.00 / yr | $10K |
| Heat Wave | Very Low | 3.53 / yr | $20K |
| Avalanche | Very Low | 0.00 / yr | $0 |
| Coastal Flood | Very Low | 0.00 / yr | $0 |
| Hurricane | 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 Winnebago County?
Winnebago County has a composite FEMA National Risk Index score of 30.7 out of 100, placing it in the Very Low category and the 31th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Winnebago County?
The three highest-rated hazards are Drought (High, $3M EAL), Cold Wave (Medium, $2M EAL), Winter Weather (Medium, $100K EAL). These account for most of the county's expected annual losses.
How does Winnebago County compare to other Iowa counties?
Winnebago County ranks #64 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. Winnebago County's $10M EAL is a statistical average, not a guarantee for any specific year or address.