Natural hazards · Keystone

Keystone, IA natural hazards

Most of the natural-hazard damage FEMA expects in Keystone comes from inland flooding, and overall the risk is low 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 Keystone?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Keystone to be higher than in 34% of U.S. communities, mostly from inland flooding and drought.

Inland flooding38%Drought18%Strong wind16%Tornadoes11%Hail10%Everything else8%

By hazard

What Keystone faces

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

Inland flooding

38% of expected damage

Below average · higher than 40% of U.S. places

Recorded about once a year in the area

Drought

18% of expected damage

Recorded about 15 times a year in the area

Strong wind

16% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

11% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 8 years in the area

Hail

10% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesIce stormsWinter weatherCold wavesHeat 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 Keystone flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Benton County.

Disasters that hit Keystone

3 federal disasters brought FEMA money here

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

Brought FEMA money into KeystoneDeclared for Benton County only

2020

Severe Storms

40 households applied for aid $11K aid approved $58K to the City of Keystone for repairs

2008

Severe Storms, Tornadoes, and Flooding

1 household applied for aid $1K aid approved $3K to the City of Keystone for repairs

2007

Severe Winter Storms

$8K to the City of Keystone for repairs

Benton County has had 14 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. Keystone 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 Keystone’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Keystone. 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.