Natural hazards · Webster

Webster, IA natural hazards

Most of the natural-hazard damage FEMA expects in Webster comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 19 claims here since 1981. 5 federal disasters brought FEMA money into town.

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

How exposed is Webster?

63
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Webster to be higher than in 63% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding56%Tornadoes19%Strong wind8%Cold waves8%Everything else9%
By hazard

What Webster faces

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

Inland flooding

56% of expected damage
Above average · higher than 74% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

19% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about once every 97 years in the area

Strong wind

8% of expected damage
Well above average · higher than 91% of U.S. places
Recorded about 5 times a year in the area

Cold waves

8% of expected damage
Above average · higher than 74% of U.S. places
Recorded about 9 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Webster flood?

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

19paid claims since 1981
$189Kpaid to owners
1homes flooded more than once
19812026

Biggest named events

  • Storm: 5 claims, $74K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

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

What’s been done with FEMA grants

3flood-prone properties bought out and cleared
Disasters that hit Webster

5 federal disasters brought FEMA money here

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

Brought FEMA money into WebsterDeclared for Hamilton County only
2014

Severe Storms, Tornadoes, Straight-Line Winds, and Flooding

$48K to the City of Webster for repairs
2010

Severe Storms, Flooding, and Tornadoes

110 households applied for aid $97K aid approved $56K to the City of Webster for repairs
2008

Severe Storms, Tornadoes, and Flooding

87 households applied for aid $212K aid approved $271K to the City of Webster for repairs
2007

Severe Winter Storms

$15K to the City of Webster for repairs
2004

Severe Storms, Tornadoes, and Flooding

5 households applied for aid $5K aid approved
Hamilton 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. Webster covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Webster’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Webster. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Webster total about $2.2M a year, counting buildings, people and crops.

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