Natural hazards · Pacific Junction

Pacific Junction, IA natural hazards

Most of the natural-hazard damage FEMA expects in Pacific Junction comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 10 claims here since 1984. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Pacific Junction?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pacific Junction to be higher than in 70% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding46%Tornadoes19%Drought10%Hail10%Everything else15%

By hazard

What Pacific Junction faces

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

Inland flooding

46% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once a year in the area

Tornadoes

19% of expected damage

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

Recorded about once every 9 years in the area

Drought

10% of expected damage

Recorded about 14 times a year in the area

Hail

10% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 7 times a year in the area

Lower here

Ice stormsWinter weatherCold wavesHeat 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 Pacific Junction flood?

Every paid claim on a federal flood insurance policy in Pacific Junction, from FEMA’s records.

10paid claims since 1984

$1.1Mpaid to owners

0homes flooded more than once

19842026

Biggest named events

March 2019 Midwest Flooding: 4 claims, $1.1M
Midwest Flooding: 3 claims, $13K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Mills County.

What’s been done with FEMA grants

319flood-prone properties bought out and cleared

Disasters that hit Pacific Junction

5 federal disasters brought FEMA money here

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

Brought FEMA money into Pacific JunctionDeclared for Mills County only

2024

Severe Storms and Tornadoes

4 households applied for aid $750 aid approved

2019

Severe Storms and Flooding

427 households applied for aid $8.8M aid approved $6.5M to the City of Pacific Junction for repairs

2011

Flooding

80 households applied for aid $221K aid approved $61K to the City of Pacific Junction for repairs

2008

Severe Storms, Tornadoes, and Flooding

35 households applied for aid $56K aid approved $66K to the City of Pacific Junction for repairs

2007

Severe Storms, Flooding, and Tornadoes

3 households applied for aid $3K aid approved $5K to the City of Pacific Junction for repairs

Mills 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. Pacific Junction 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 Pacific Junction’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Pacific Junction. 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.