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Natural hazards · Thayer

Thayer, IA natural hazards

Most of the natural-hazard damage FEMA expects in Thayer comes from cold waves, and overall the risk is moderate for a U.S. community. 4 federal disasters brought FEMA money into town.

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

How exposed is Thayer?

48
Moderate
vs. U.S. communities

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

Cold waves27%Inland flooding24%Drought22%Heat waves9%Tornadoes8%Everything else10%
By hazard

What Thayer faces

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

Cold waves

27% of expected damage
Well above average · higher than 79% of U.S. places
Recorded about 5 times a year in the area

Inland flooding

24% of expected damage
Above average · higher than 56% of U.S. places
Recorded about once a year in the area

Drought

22% of expected damage
Recorded about 7 times a year in the area

Heat waves

9% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about 8 times a year in the area

Tornadoes

8% of expected damage
Well above average · higher than 92% of U.S. places
Recorded about once every 9 years in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Thayer flood?

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

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

4 federal disasters brought FEMA money here

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

Brought FEMA money into ThayerDeclared for Union County only
2024

Severe Storms and Tornadoes

3 households applied for aid $10K aid approved
2010

Severe Storms, Flooding, and Tornadoes

1 household applied for aid $2K aid approved
2008

Severe Storms, Tornadoes, and Flooding

6 households applied for aid $7K aid approved
2007

Severe Storms, Flooding, and Tornadoes

2 households applied for aid $6K aid approved $5K to the City of Thayer for repairs
Union County has had 19 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. Thayer 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 Thayer’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Thayer. 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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