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Natural hazards · Osterdock

Osterdock, IA natural hazards

Most of the natural-hazard damage FEMA expects in Osterdock comes from inland flooding, and overall the risk is high for a U.S. community. 3 federal disasters brought FEMA money into town.

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

How exposed is Osterdock?

79
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Osterdock to be higher than in 79% of U.S. communities, mostly from inland flooding.

Inland flooding65%Tornadoes9%Hail8%Cold waves8%Everything else9%
By hazard

What Osterdock faces

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

Inland flooding

65% of expected damage
Well above average · higher than 91% of U.S. places
Recorded about 4 times a year in the area

Tornadoes

9% of expected damage
Well above average · higher than 90% of U.S. places
Recorded about once every 8 years in the area

Hail

8% of expected damage
Well above average · higher than 90% of U.S. places
Recorded about 4 times a year in the area

Cold waves

8% of expected damage
Above average · higher than 51% of U.S. places
Recorded about 7 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Osterdock flood?

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. Osterdock 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 Osterdock

3 federal disasters brought FEMA money here

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

Brought FEMA money into OsterdockDeclared for Clayton County only
2008

Severe Storms, Tornadoes, and Flooding

$5K to the City of Osterdock for repairs
2004

Severe Storms, Tornadoes, and Flooding

$6K to the City of Osterdock for repairs
1999

Severe Storms, Flooding, and Tornadoes

$1K to the City of Osterdock 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. Osterdock 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 Osterdock’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Osterdock. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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