Natural hazards · Onawa

Onawa, IA natural hazards

Most of the natural-hazard damage FEMA expects in Onawa comes from tornadoes, and overall the risk is low for a U.S. community. 8 federal disasters brought FEMA money into town.

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

How exposed is Onawa?

30
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Onawa to be higher than in 30% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes38%Inland flooding29%Cold waves11%Hail8%Strong wind6%Everything else9%
By hazard

What Onawa faces

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

Tornadoes

38% of expected damage
Well above average · higher than 98% of U.S. places

Inland flooding

29% of expected damage
Well below average · higher than 22% of U.S. places
Recorded about once every 2 years in the area

Cold waves

11% of expected damage
Above average · higher than 69% of U.S. places
Recorded about 6 times a year in the area

Hail

8% of expected damage
Well above average · higher than 88% of U.S. places
Recorded about 6 times a year in the area

Strong wind

6% of expected damage
Well above average · higher than 92% of U.S. places
Recorded about 4 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Onawa flood?

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

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

8 federal disasters brought FEMA money here

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

Brought FEMA money into OnawaDeclared for Monona County only
2025

Severe Winter Storm

$152K to the City of Onawa for repairs
2024

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

8 households applied for aid $18K aid approved
2019

Severe Storms and Flooding

12 households applied for aid $15K aid approved
2013

Severe Storms, Tornadoes, and Flooding

$8K to the City of Onawa for repairs
2011

Flooding

27 households applied for aid $67K aid approved $38K to the City of Onawa for repairs
2008

Severe Storms, Tornadoes, and Flooding

4 households applied for aid $12K to the City of Onawa for repairs
2007

Severe Storms, Flooding, and Tornadoes

8 households applied for aid $1K aid approved $22K to the City of Onawa for repairs
2007

Snow

$6K to the City of Onawa for repairs
Monona County has had 18 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. Onawa covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Onawa’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Onawa. 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 Onawa total about $1.3M 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