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Natural hazards · Dunkerton

Dunkerton, IA natural hazards

Most of the natural-hazard damage FEMA expects in Dunkerton comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 53 claims here since 1993. 7 federal disasters brought FEMA money into town.

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

How exposed is Dunkerton?

56
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Dunkerton to be higher than in 56% of U.S. communities, mostly from inland flooding and drought.

Inland flooding41%Drought37%Tornadoes9%Cold waves7%Everything else7%
By hazard

What Dunkerton faces

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

Inland flooding

41% of expected damage
Above average · higher than 73% of U.S. places
Recorded about 5 times a year in the area

Drought

37% of expected damage
Recorded about 17 times a year in the area

Tornadoes

9% of expected damage
Well above average · higher than 94% of U.S. places
Recorded about once every 8 years in the area

Cold waves

7% of expected damage
Above average · higher than 65% of U.S. places
Recorded about 9 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat 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 Dunkerton flood?

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

53paid claims since 1993
$610Kpaid to owners
7homes flooded more than once
19932026

Biggest named events

  • Midwest Flooding: 1 claim, $349

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

What’s been done with FEMA grants

27flood-prone properties bought out and cleared
Disasters that hit Dunkerton

7 federal disasters brought FEMA money here

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

Brought FEMA money into DunkertonDeclared for Black Hawk County only
2016

Severe Storms and Flooding

$8K to the City of Dunkerton for repairs
2010

Severe Storms, Flooding, and Tornadoes

5 households applied for aid $3K aid approved $11K to the City of Dunkerton for repairs
2008

Severe Storms, Tornadoes, and Flooding

41 households applied for aid $40K aid approved $15K to the City of Dunkerton for repairs
2007

Severe Winter Storms

$13K to the City of Dunkerton for repairs
2004

Severe Storms, Tornadoes, and Flooding

9 households applied for aid $31K aid approved $17K to the City of Dunkerton for repairs
1999

Severe Storms and Flooding

$3K to the City of Dunkerton for repairs
1999

Severe Storms, Flooding, and Tornadoes

$172K to the City of Dunkerton for repairs
Black Hawk County has had 17 natural disasters declared since 1953, most often floods and severe storms.
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. Dunkerton 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 Dunkerton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Dunkerton. 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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