Natural hazards · Templeton

Templeton, IA natural hazards

Most of the natural-hazard damage FEMA expects in Templeton comes from inland flooding, and overall the risk is moderate for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Templeton?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Templeton to be higher than in 48% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding31%Tornadoes25%Hail19%Drought9%Strong wind7%Cold waves6%Everything else2%

By hazard

What Templeton faces

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

Inland flooding

31% of expected damage

Above average · higher than 53% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

25% of expected damage

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

Recorded about once every 16 years in the area

Hail

19% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 6 times a year in the area

Drought

9% of expected damage

Recorded about 6 times a year in the area

Strong wind

7% of expected damage

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

Recorded about 5 times a year in the area

Cold waves

6% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about 7 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Templeton flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Carroll County.

Disasters that hit Templeton

1 federal disaster brought FEMA money here

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

Brought FEMA money into TempletonDeclared for Carroll County only

2010

Severe Winter Storm

$12K to the City of Templeton for repairs

Carroll County has had 14 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. Templeton 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 Templeton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Templeton. 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.