Natural hazards · Lone Tree

Lone Tree, IA natural hazards

Most of the natural-hazard damage FEMA expects in Lone Tree comes from tornadoes, and overall the risk is high for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Lone Tree?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lone Tree to be higher than in 68% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes29%Inland flooding26%Drought16%Strong wind12%Cold waves8%Everything else8%

By hazard

What Lone Tree faces

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

Tornadoes

29% of expected damage

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

Recorded about once every 9 years in the area

Inland flooding

26% of expected damage

Below average · higher than 43% of U.S. places

Recorded about 2 times a year in the area

Drought

16% of expected damage

Recorded about 16 times a year in the area

Strong wind

12% of expected damage

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

Recorded about 6 times a year in the area

Cold waves

8% of expected damage

Above average · higher than 57% of U.S. places

Recorded about 7 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat 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 Lone Tree flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Johnson County.

What’s been done with FEMA grants

2flood-prone properties bought out and cleared

Disasters that hit Lone Tree

2 federal disasters brought FEMA money here

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

Brought FEMA money into Lone TreeDeclared for Johnson County only

2008

Severe Storms, Tornadoes, and Flooding

10 households applied for aid $27K aid approved

2007

Severe Winter Storms

$6K to the City of Lone Tree for repairs

Johnson County has had 20 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. Lone Tree 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 Tree’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lone Tree. 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.