Natural hazards · Monona

Monona, IA natural hazards

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

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Monona to be higher than in 31% of U.S. communities, mostly from inland flooding.

Inland flooding48%Tornadoes15%Cold waves11%Hail10%Drought8%Everything else8%

By hazard

What Monona faces

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

Inland flooding

48% of expected damage

Below average · higher than 39% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

15% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 11 years in the area

Cold waves

11% of expected damage

Above average · higher than 51% of U.S. places

Recorded about 7 times a year in the area

Hail

10% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 4 times a year in the area

Drought

8% of expected damage

Recorded about 10 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Monona flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Clayton County.

Disasters that hit Monona

2 federal disasters brought FEMA money here

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

Brought FEMA money into MononaDeclared for Clayton County only

2008

Severe Storms, Tornadoes, and Flooding

1 household applied for aid $2K aid approved

2004

Severe Storms, Tornadoes, and Flooding

9 households applied for aid $16K aid approved $11K to the City of Monona for repairs

Clayton County has had 24 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. Monona 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 Monona’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Monona. 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.

Monona, IA natural hazards

How exposed is Monona?

What Monona faces

Inland flooding

Tornadoes

Cold waves

Hail

Drought

Lower here

Not a risk here

Does Monona flood?

2 federal disasters brought FEMA money here

Severe Storms, Tornadoes, and Flooding

Severe Storms, Tornadoes, and Flooding

How to read this page

Where to, neighbor?

Matches

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