Natural hazards · Manchester

Manchester, IA natural hazards

Most of the natural-hazard damage FEMA expects in Manchester comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 67 claims here since 1999. 6 federal disasters brought FEMA money into town.

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

How exposed is Manchester?

82
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Manchester to be higher than in 82% of U.S. communities, mostly from inland flooding.

Inland flooding70%Tornadoes11%Cold waves7%Strong wind6%Everything else7%
By hazard

What Manchester faces

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

Inland flooding

70% of expected damage
Well above average · higher than 93% of U.S. places
Recorded about once a year in the area

Tornadoes

11% of expected damage
Well above average · higher than 94% of U.S. places

Cold waves

7% of expected damage
Above average · higher than 55% of U.S. places
Recorded about 8 times a year in the area

Strong wind

6% of expected damage
Well above average · higher than 97% of U.S. places
Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Manchester flood?

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

67paid claims since 1999
$4.0Mpaid to owners
15homes flooded more than once
19992026

Biggest named events

  • Storm: 9 claims, $119K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (5) ■ flooded 2+ times

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

What’s been done with FEMA grants

22flood-prone properties bought out and cleared
Disasters that hit Manchester

6 federal disasters brought FEMA money here

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

Brought FEMA money into ManchesterDeclared for Delaware County only
2016

Severe Storms and Flooding

$49K to the City of Manchester for repairs
2010

Severe Storms, Flooding, and Tornadoes

138 households applied for aid $1.1M aid approved $204K to the City of Manchester for repairs
2008

Severe Storms, Tornadoes, and Flooding

169 households applied for aid $216K aid approved $290K to the City of Manchester for repairs
2004

Severe Storms, Tornadoes, and Flooding

35 households applied for aid $104K aid approved $50K to the City of Manchester for repairs
2002

Severe Storms and Flooding

$68K to the City of Manchester for repairs
1999

Severe Storms, Flooding, and Tornadoes

$139K to the City of Manchester for repairs
Delaware County has had 15 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. Manchester covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Manchester’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Manchester. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Manchester total about $4.4M a year, counting buildings, people and crops.

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