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Natural hazards · Guttenberg

Guttenberg, IA natural hazards

Most of the natural-hazard damage FEMA expects in Guttenberg comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 3 claims here since 1983. 10 federal disasters brought FEMA money into town.

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

How exposed is Guttenberg?

83
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Guttenberg to be higher than in 83% of U.S. communities, mostly from inland flooding.

Inland flooding75%Tornadoes9%Cold waves7%Everything else10%
By hazard

What Guttenberg faces

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

Inland flooding

75% of expected damage
Well above average · higher than 94% of U.S. places
Recorded about 4 times a year in the area

Tornadoes

9% of expected damage
Well above average · higher than 85% of U.S. places
Recorded about once every 26 years in the area

Cold waves

7% of expected damage
Above average · higher than 51% of U.S. places
Recorded about 7 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Guttenberg flood?

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

3paid claims since 1983
$18Kpaid to owners
0homes flooded more than once
19832026

Biggest named events

  • Severe flooding: 2 claims, $17K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Guttenberg isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Clayton County.
Disasters that hit Guttenberg

10 federal disasters brought FEMA money here

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

Brought FEMA money into GuttenbergDeclared for Clayton County only
2023

Flooding

$43K to the City of Guttenberg for repairs
2019

Severe Storms and Flooding

$309K to the City of Guttenberg for repairs
2017

Severe Storms, Tornadoes, Straight-Line Winds, and Flooding

$22K to the City of Guttenberg for repairs
2013

Severe Storms, Tornadoes, and Flooding

$33K to the City of Guttenberg for repairs
2010

Severe Storms, Flooding, and Tornadoes

4 households applied for aid
2008

Severe Storms, Tornadoes, and Flooding

15 households applied for aid $63K aid approved $14K to the City of Guttenberg for repairs
2004

Severe Storms, Tornadoes, and Flooding

10 households applied for aid $7K aid approved
2002

Severe Storms and Flooding

$10K to the City of Guttenberg for repairs
2001

Severe Storms, Tornadoes and Flooding

$26K to the City of Guttenberg for repairs
1999

Severe Storms, Flooding, and Tornadoes

$3K to the City of Guttenberg for repairs
Clayton County has had 24 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. Guttenberg 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 Guttenberg’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Guttenberg. 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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