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Natural hazards · Hardy

Hardy, IA natural hazards

Most of the natural-hazard damage FEMA expects in Hardy comes from drought, 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 Hardy?

58
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hardy to be higher than in 58% of U.S. communities, mostly from drought and inland flooding.

Drought46%Inland flooding21%Cold waves14%Tornadoes10%Hail5%Everything else5%
By hazard

What Hardy faces

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

Drought

46% of expected damage
Recorded about 17 times a year in the area

Inland flooding

21% of expected damage
Above average · higher than 60% of U.S. places
Recorded about 3 times a year in the area

Cold waves

14% of expected damage
Well above average · higher than 87% of U.S. places
Recorded about 10 times a year in the area

Tornadoes

10% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about once every 5 years in the area

Hail

5% of expected damage
Well above average · higher than 84% of U.S. places
Recorded about 5 times a year in the area

Lower here

HurricanesIce 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 Hardy flood?

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

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

3 federal disasters brought FEMA money here

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

Brought FEMA money into HardyDeclared for Humboldt County only
2010

Severe Storms, Flooding, and Tornadoes

6 households applied for aid $9K aid approved
2008

Severe Storms, Tornadoes, and Flooding

8 households applied for aid $25K aid approved
2004

Severe Storms, Tornadoes, and Flooding

1 household applied for aid $5K aid approved
Humboldt County has had 20 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. Hardy 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 Hardy’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Hardy. 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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