Natural hazards · Elliott

Elliott, IA natural hazards

Most of the natural-hazard damage FEMA expects in Elliott comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 32 claims here since 1982. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Elliott?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Elliott to be higher than in 65% of U.S. communities, mostly from inland flooding and drought.

Inland flooding35%Drought23%Tornadoes14%Cold waves12%Hail7%Heat waves5%Everything else5%

By hazard

What Elliott faces

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

Inland flooding

35% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once a year in the area

Drought

23% of expected damage

Recorded about 7 times a year in the area

Tornadoes

14% of expected damage

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

Recorded about once every 4 years in the area

Cold waves

12% of expected damage

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

Recorded about 4 times a year in the area

Hail

7% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 6 times a year in the area

Heat waves

5% of expected damage

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

Recorded about 8 times a year in the area

Lower here

Ice stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 Elliott flood?

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

32paid claims since 1982

$137Kpaid to owners

3homes flooded more than once

19822026

Biggest named events

Storm: 2 claims, $8K
Midwest Flooding: 1 claim, $4K

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. Elliott isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Montgomery County.

Disasters that hit Elliott

4 federal disasters brought FEMA money here

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

Brought FEMA money into ElliottDeclared for Montgomery County only

2024

Severe Storms, Tornadoes, and Flooding

1 household applied for aid

2010

Severe Storms, Flooding, and Tornadoes

$7K to the City of Elliott for repairs

2008

Severe Storms, Tornadoes, and Flooding

41 households applied for aid $46K aid approved $98K to the City of Elliott for repairs

2007

Severe Storms, Flooding, and Tornadoes

18 households applied for aid $20K aid approved $6K to the City of Elliott for repairs

Montgomery County has had 18 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. Elliott 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 Elliott’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Elliott. 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.

Elliott, IA natural hazards

How exposed is Elliott?

What Elliott faces

Inland flooding

Drought

Tornadoes

Cold waves

Hail

Heat waves

Lower here

Not a risk here

Does Elliott flood?

Biggest named events

Homes that flooded again and again

4 federal disasters brought FEMA money here

Severe Storms, Tornadoes, and Flooding

Severe Storms, Flooding, and Tornadoes

Severe Storms, Tornadoes, and Flooding

Severe Storms, Flooding, and Tornadoes

How to read this page

Where to, neighbor?

Matches

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