Natural hazards · Boone

Boone, IA natural hazards

Most of the natural-hazard damage FEMA expects in Boone comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 2015. 6 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations
Expected damage

How exposed is Boone?

50
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Boone to be higher than in 50% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding51%Tornadoes26%Cold waves8%Hail6%Strong wind6%Everything else4%
By hazard

What Boone faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

51% of expected damage
Above average · higher than 59% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

26% of expected damage
Well above average · higher than 98% of U.S. places

Cold waves

8% of expected damage
Above average · higher than 74% of U.S. places
Recorded about 8 times a year in the area

Hail

6% of expected damage
Well above average · higher than 78% of U.S. places
Recorded about 6 times a year in the area

Strong wind

6% of expected damage
Well above average · higher than 91% of U.S. places
Recorded about 6 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity
Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Boone flood?

Every paid claim on a federal flood insurance policy in Boone, from FEMA’s records.

3paid claims since 2015
$56Kpaid to owners
1homes flooded more than once
20152026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Boone isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Boone County.

What’s been done with FEMA grants

3homes raised above flood level
1storm safe rooms built
Disasters that hit Boone

6 federal disasters brought FEMA money here

Disasters the President declared that paid out in Boone itself: aid to households, or repair grants to the City of Boone.

Brought FEMA money into BooneDeclared for Boone County only
2020

Severe Storms

184 households applied for aid $107K aid approved $437K to the City of Boone for repairs
2010

Severe Storms, Flooding, and Tornadoes

81 households applied for aid $96K aid approved $498K to the City of Boone for repairs
2008

Severe Storms, Tornadoes, and Flooding

219 households applied for aid $515K aid approved $111K to the City of Boone for repairs
2007

Severe Storms and Flooding

$15K to the City of Boone for repairs
2007

Severe Winter Storms

$24K to the City of Boone for repairs
2004

Severe Storms, Tornadoes, and Flooding

3 households applied for aid $4K aid approved
Boone County has had 15 natural disasters declared since 1953, most often severe storms and floods.
About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.
Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Boone covers 3 census tracts, combined by population.
Money that reached townFlood claims are matched to Boone’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Boone. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Boone total about $4.5M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01