Natural hazards · Eldora

Eldora, IA natural hazards

Most of the natural-hazard damage FEMA expects in Eldora comes from hail, and overall the risk is moderate for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Eldora?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Eldora to be higher than in 42% of U.S. communities, mostly from hail and inland flooding.

Hail30%Inland flooding28%Tornadoes21%Strong wind8%Cold waves7%Everything else7%

By hazard

What Eldora faces

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

Hail

30% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 6 times a year in the area

Inland flooding

28% of expected damage

Below average · higher than 29% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

21% of expected damage

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

Recorded about once every 39 years in the area

Strong wind

8% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 6 times a year in the area

Cold waves

7% of expected damage

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

Recorded about 9 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 Eldora flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hardin County.

Disasters that hit Eldora

3 federal disasters brought FEMA money here

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

Brought FEMA money into EldoraDeclared for Hardin County only

2008

Severe Storms, Tornadoes, and Flooding

28 households applied for aid $52K aid approved

2007

Severe Winter Storms

$11K to the City of Eldora for repairs

2004

Severe Storms, Tornadoes, and Flooding

2 households applied for aid

Hardin County has had 16 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. Eldora 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 Eldora’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Eldora. 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.

Eldora, IA natural hazards

How exposed is Eldora?

What Eldora faces

Hail

Inland flooding

Tornadoes

Strong wind

Cold waves

Lower here

Not a risk here

Does Eldora flood?

3 federal disasters brought FEMA money here

Severe Storms, Tornadoes, and Flooding

Severe Winter Storms

Severe Storms, Tornadoes, and Flooding

How to read this page

Where to, neighbor?

Matches

Nearby