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Natural hazards · Earlville

Earlville, IA natural hazards

Most of the natural-hazard damage FEMA expects in Earlville comes from inland flooding, and overall the risk is high for a U.S. community. 5 federal disasters brought FEMA money into town.

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

How exposed is Earlville?

62
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Earlville to be higher than in 62% of U.S. communities, mostly from inland flooding.

Inland flooding51%Tornadoes13%Hail11%Cold waves9%Strong wind8%Drought6%Everything else3%
By hazard

What Earlville 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 73% of U.S. places
Recorded about once a year in the area

Tornadoes

13% of expected damage
Well above average · higher than 93% of U.S. places
Recorded about once every 8 years in the area

Hail

11% of expected damage
Well above average · higher than 89% of U.S. places
Recorded about 4 times a year in the area

Cold waves

9% of expected damage
Above average · higher than 55% of U.S. places
Recorded about 8 times a year in the area

Strong wind

8% of expected damage
Well above average · higher than 97% of U.S. places
Recorded about 5 times a year in the area

Drought

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

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Earlville flood?

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

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

5 federal disasters brought FEMA money here

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

Brought FEMA money into EarlvilleDeclared for Delaware County only
2010

Severe Storms, Flooding, and Tornadoes

4 households applied for aid $23K aid approved
2008

Severe Storms, Tornadoes, and Flooding

27 households applied for aid $47K aid approved $18K to the City of Earlville for repairs
2004

Severe Storms, Tornadoes, and Flooding

2 households applied for aid
2002

Severe Storms and Flooding

$4K to the City of Earlville for repairs
1999

Severe Storms, Flooding, and Tornadoes

$6K to the City of Earlville for repairs
Delaware County has had 15 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. Earlville 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 Earlville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Earlville. 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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