Natural hazards · Wall Lake

Wall Lake, IA natural hazards

Most of the natural-hazard damage FEMA expects in Wall Lake comes from inland flooding, and overall the risk is moderate 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 Wall Lake?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Wall Lake to be higher than in 46% of U.S. communities, mostly from inland flooding and hail.

Inland flooding24%Hail21%Tornadoes21%Drought20%Cold waves9%Everything else6%

By hazard

What Wall Lake faces

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

Inland flooding

24% of expected damage

Below average · higher than 48% of U.S. places

Recorded about 2 times a year in the area

Hail

21% of expected damage

Above average · higher than 72% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

21% of expected damage

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

Recorded about once every 7 years in the area

Drought

20% of expected damage

Recorded about 14 times a year in the area

Cold waves

9% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about 9 times a year in the area

Lower here

Ice stormsWinter weatherHeat 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 Wall Lake flood?

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

of all homes
are insured

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

Insurance rates: Sac County.

Disasters that hit Wall Lake

3 federal disasters brought FEMA money here

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

Brought FEMA money into Wall LakeDeclared for Sac County only

2010

Severe Winter Storm

$26K to the City of Wall Lake for repairs

2004

Severe Storms, Tornadoes, and Flooding

$7K to the City of Wall Lake for repairs

2001

Severe Storms, Tornadoes and Flooding

$8K to the City of Wall Lake for repairs

Sac County has had 17 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. Wall Lake 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 Wall Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Wall Lake. 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.