Natural hazards · Matlock

Matlock, IA natural hazards

Most of the natural-hazard damage FEMA expects in Matlock comes from inland flooding, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Matlock?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Matlock to be higher than in 35% of U.S. communities, mostly from inland flooding and hail.

Inland flooding35%Hail24%Tornadoes20%Cold waves8%Drought7%Everything else8%

By hazard

What Matlock faces

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

Inland flooding

35% of expected damage

Below average · higher than 37% of U.S. places

Recorded about 3 times a year in the area

Hail

24% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

20% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about once every 6 years in the area

Cold waves

8% of expected damage

Above average · higher than 63% of U.S. places

Recorded about 8 times a year in the area

Drought

7% of expected damage

Recorded about 20 times a year in the area

Lower here

Ice 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 Matlock flood?

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

of all homes
are insured

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

Insurance rates: Sioux County.

Disasters that hit Matlock

Federal disasters declared here

None of the disasters declared for Sioux County shows FEMA aid or repair money reaching Matlock itself in FEMA’s records.

Brought FEMA money into MatlockDeclared for Sioux County only

Sioux County has had 13 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. Matlock 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 Matlock’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Matlock. 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.