Natural hazards · Lone Rock

Lone Rock, IA natural hazards

Most of the natural-hazard damage FEMA expects in Lone Rock 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 Lone Rock?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lone Rock to be higher than in 38% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding33%Cold waves21%Drought18%Tornadoes18%Everything else10%

By hazard

What Lone Rock faces

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

Inland flooding

33% of expected damage

Below average · higher than 41% of U.S. places

Recorded about 3 times a year in the area

Cold waves

21% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 12 times a year in the area

Drought

18% of expected damage

Recorded about 11 times a year in the area

Tornadoes

18% of expected damage

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

Recorded about once every 9 years in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Lone Rock flood?

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

of all homes
are insured

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

Insurance rates: Kossuth County.

Disasters that hit Lone Rock

3 federal disasters brought FEMA money here

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

Brought FEMA money into Lone RockDeclared for Kossuth County only

2014

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

$7K to the City of Lone Rock for repairs

2010

Severe Storms, Flooding, and Tornadoes

1 household applied for aid

2008

Severe Storms, Tornadoes, and Flooding

6 households applied for aid $20K aid approved

Kossuth County has had 17 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. Lone Rock 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 Lone Rock’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lone Rock. 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.