Natural hazards · Owasa

Owasa, IA natural hazards

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

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

Expected damage

How exposed is Owasa?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Owasa to be higher than in 55% of U.S. communities, mostly from inland flooding and hail.

Inland flooding30%Hail25%Drought17%Tornadoes15%Cold waves7%Everything else7%

By hazard

What Owasa faces

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

Inland flooding

30% of expected damage

Above average · higher than 55% of U.S. places

Recorded about 2 times a year in the area

Hail

25% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 5 times a year in the area

Drought

17% of expected damage

Recorded about 7 times a year in the area

Tornadoes

15% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 9 years in the area

Cold waves

7% of expected damage

Above average · higher than 73% of U.S. places

Recorded about 9 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 Owasa flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hardin County.

Disasters that hit Owasa

Federal disasters declared here

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

Brought FEMA money into OwasaDeclared for Hardin County only

Hardin County has had 16 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. Owasa 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 Owasa’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Owasa. 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.