Natural hazards · Cumming

Cumming, IA natural hazards

Most of the natural-hazard damage FEMA expects in Cumming comes from inland flooding, and overall the risk is low for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Cumming?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cumming to be higher than in 22% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding40%Tornadoes18%Drought17%Cold waves7%Heat waves6%Strong wind5%Everything else7%

By hazard

What Cumming faces

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

Inland flooding

40% of expected damage

Below average · higher than 28% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

18% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about once every 20 years in the area

Drought

17% of expected damage

Recorded about 4 times a year in the area

Cold waves

7% of expected damage

Above average · higher than 73% of U.S. places

Recorded about 5 times a year in the area

Heat waves

6% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 8 times a year in the area

Strong wind

5% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 6 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesLightning

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 Cumming flood?

FEMA's records show no paid flood insurance claims in Cumming.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Cumming isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Warren County.

Disasters that hit Cumming

2 federal disasters brought FEMA money here

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

Brought FEMA money into CummingDeclared for Warren County only

2010

Severe Storms, Flooding, and Tornadoes

1 household applied for aid $2K aid approved

2008

Severe Storms, Tornadoes, and Flooding

5 households applied for aid $11K aid approved

Warren County has had 16 natural disasters declared since 1953, most often severe storms and floods.

Around Cumming

Cumming and the towns around it

Very lowLowModerateHighVery high

West Des Moinesmostly inland floodingLow

Cummingmostly inland floodingLow

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. Cumming 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 Cumming’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Cumming. 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.