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Natural hazards · Collins

Collins, IA natural hazards

Most of the natural-hazard damage FEMA expects in Collins comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 2010. 6 federal disasters brought FEMA money into town.

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

How exposed is Collins?

48
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Collins to be higher than in 48% of U.S. communities, mostly from inland flooding and drought.

Inland flooding37%Drought34%Tornadoes16%Everything else14%
By hazard

What Collins faces

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

Inland flooding

37% of expected damage
Above average · higher than 59% of U.S. places
Recorded about 3 times a year in the area

Drought

34% of expected damage
Recorded about 6 times a year in the area

Tornadoes

16% of expected damage
Well above average · higher than 98% of U.S. places
Recorded about once every 7 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Collins flood?

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

2paid claims since 2010
$16Kpaid to owners
1homes flooded more than once
20102026

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. Collins isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Story County.
Disasters that hit Collins

6 federal disasters brought FEMA money here

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

Brought FEMA money into CollinsDeclared for Story County only
2024

Severe Storms, Tornadoes, and Flooding

5 households applied for aid $25K aid approved
2020

Severe Storms

9 households applied for aid $12K aid approved $27K to the City of Collins for repairs
2011

Severe Storms, Straight-Line Winds, and Flooding

$3K to the City of Collins for repairs
2010

Severe Storms, Flooding, and Tornadoes

23 households applied for aid $65K aid approved $19K to the City of Collins for repairs
2008

Severe Storms, Tornadoes, and Flooding

9 households applied for aid $7K aid approved
2004

Severe Storms, Tornadoes, and Flooding

4 households applied for aid $6K aid approved
Story County has had 20 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. Collins is smaller than a census tract, so it shares the figures of the tract around its center.
Money that reached townFlood claims are matched to Collins’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Collins. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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
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