FEMA Records
19
Below median
Iowa · FEMA + NOAA + National Risk Index
Emmet County, IA
19 FEMA disaster declarations (1965-2024), with a FEMA National Risk Index rating of Very Low. Most common hazard: Flood.
- 19
- FEMA declarations
- 16
- Major disasters
- 43
- NRI risk · Very Low
- Flood
- Top hazard
The verdict
Emmet County has a nationally busy FEMA history: 19 declarations, more than 41% of counties in this registry. But the state comparison tempers that reading: the total is 2% below the Iowa county mean. FEMA's separate National Risk Index places the county safer than 43%; that score models loss and vulnerability rather than counting declarations.
- Safer than 43%
- of U.S. counties for FEMA National Risk Index score
- Very Low
- FEMA National Risk Index rating
- 19
- FEMA declarations vs 21 national county avg
- 19
- NFIP flood insurance claims filed
FEMA's National Risk Index and its declaration registry are separate measures. This county's registry includes Major Disaster (DR) and Emergency (EM) records; an EM authorizes a narrower set of federal assistance than a DR.
FEMA OpenFEMA declaration desk
County FIPS 19063 · Emmet County 19 declarations · rank 1785/3,266
DECL-MID · MAJOR-HEAVY · RANK-LOWER · PHOTO-FINISH · NRI-LOW · ACT-HIGH · TYPE-LEAD · VS-ST-BELOW
- DECL-MID 19
- MAJOR-HEAVY 84%
- RANK-LOWER #1,785
- PHOTO-FINISH Bartow
- NRI-LOW Very Low
- ACT-HIGH High
- TYPE-LEAD Flood
- VS-ST-BELOW -2%
Nearest declaration peer: Bartow, GA (0 declaration gap)
FEMA Disaster Declarations Summaries v2 filing stamps for this county register. Read with this county → · Iowa state profile
Emmet County in the declaration-count neighbourhood
FEMA declaration records among Emmet County and nearest peers by total count
- Los Angeles · largest
Los Angeles · largest
88 declarations
- Bartow · near 19
Bartow · near
19 declarations
- Emmet · this county 19
Emmet · this county
19 declarations
- Union · near 19
Union · near
19 declarations
- Warren · near 19
Warren · near
19 declarations
- Ujelang · smallest 1
Ujelang · smallest
1 declarations
What this shows Emmet County carries 19 FEMA declaration records, ranked 1785 of 3,266 counties in this registry.
How Emmet County's FEMA declaration count compares nationally
Emmet County vs. all counties in this dataset
FEMA disaster declarations, all-time · Emmet County
19 41st percentile higher than 41% of 3,266 counties
Each bar is a band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FEMA Disaster Declarations Summaries v2 · 2026-08-25
Emmet County's FEMA Risk Index score
Which hazard drives modeled loss here?
FEMA's modeled annual dollar loss for Emmet County is led by Cold Wave (about $5.6M Expected Annual Loss, Historical Loss Ratio Very High), while Drought carries the highest National Risk Index rating (Relatively High). EAL and risk score use different inputs; they need not agree.
Source: FEMA National Risk Index (December 2025 release) - Expected Annual Loss vs composite risk rating by hazard.
What does Emmet County's hazard record show?
FEMA National Risk Index
FEMA's data shows an elevated National Risk Index composite of 42.7/100 for this county (Very Low rating). Expected Annual Loss comes in at Very Low (roughly $14.1M in annualized losses). Social vulnerability (Relatively Low) and community resilience (Relatively High) both factor into how that raw exposure plays out on the ground. Of the 18 hazards FEMA models, Drought stands out as the sharpest exposure here, rated Relatively High. FEMA's modeled frequency puts that hazard at 9.8 modeled event-days per year here, based on 280 historical events on record.
Reading the federal records together
This county has a small entry in FEMA's NFIP paid-claims table: 19 claims and $81.1K paid in total. PlainHazard calls 1-49 claims a light registry record, a label for this dataset rather than a finding that flood exposure is low. A short claims history can also reflect insurance take-up, the period covered, or losses that were never insured.
Start with the state benchmark: a Iowa county averages 19.3 federal declaration records, while Emmet County has 19. The gap is 2% below that mean. Fewer entries indicate a quieter history of recorded federal actions, not immunity from a hazard and not a prediction about what happens next.
62 /100
Historical Activity Index
High historical activity
Emmet County, IA · PlainHazard-derived composite from federal records
This 0–100 index is an explicit PlainHazard composite from FEMA declaration history only on the county surface (this DB has no county-level NOAA damage row) . It is not FEMA's National Risk Index, not a forecast, and not a safety, insurance, or preparedness rating. Open the calculator · Methodology
FEMA Declarations (1953–present) Moderate
14/30
19 OpenFEMA declarations, full ingest window (0.9x national county average)
County Disaster Density Moderate
12/25
19 declarations (1.0x state county average of 19)
Major Disaster Share Very High
21/25
16 of 19 declarations are major disasters (84%)
Hazard Diversity Very High
15/20
6 different disaster types declared in Emmet County
FEMA NRI 8-hazard radar - Emmet County
How to read this radar
Each axis: NRI risk rating (Very Low-Very High) on a 0-100 scale. Rounder = broad exposure; spiky = one or two hazards dominate.
Major Disaster share
84%
Mostly major
NRI risk score
43
Very Low
Source: FEMA National Risk Index Per-county per-hazard ratings, December 2025 release
How often does each hazard strike Emmet County?
FEMA's National Risk Index models a historical event count and an annualized frequency for each hazard type. Most hazards are expressed as modeled occurrences per year; FEMA expresses drought and heat-wave frequency as event-days per year. These modeled frequencies are not forecasts.
| Hazard | NRI Risk Rating | Recurrence |
|---|---|---|
| Drought | Relatively High | 9.8 modeled event-days per year |
| Cold Wave | Relatively Moderate | an average of 12 times per year |
| Winter Weather | Relatively Moderate | an average of 19 times per year |
| Hail | Relatively Low | an average of 4.5 times per year |
| Tornado | Relatively Low | roughly once every 3 years |
| Lightning | Relatively Low | an average of 39 times per year |
| Ice Storm | Relatively Low | roughly once every 2 years |
| Landslide | Very Low | roughly once every 20 years |
| Strong Wind | Relatively Low | an average of 3.6 times per year |
| Heat Wave | Very Low | 3.9 modeled event-days per year |
| Wildfire | Very Low | roughly once every 2,235 years |
| Riverine Flooding | Very Low | an average of 2.7 times per year |
| Earthquake | Very Low | roughly once every 2,463 years |
Source: FEMA National Risk Index Modeled annualized frequency; drought and heat wave use event-days/year, December 2025 release
Disaster Types
Flood 8
Severe Storm 6
Biological 2
Snowstorm 1
Hurricane 1
Severe Ice Storm 1
What Flood declarations mean here
Flood is the most frequent declaration type on Emmet County's record, 42% of its declarations. Federal flood declarations cover two mechanisms that behave very differently: riverine flooding, which builds over days as a watershed drains and is usually forecast well in advance, and flash flooding, which can arrive in under an hour from rainfall that fell somewhere upstream.
Flood is also the one hazard class where a second federal dataset exists for the same events. The National Flood Insurance Program records what was actually paid on insured losses, so it measures a narrower thing than the declaration count: uninsured damage, and flooding outside mapped special flood hazard areas, never enters it. Reading the two together is more informative than either alone.
Declaration counts describe past federal action. They are a record of what was declared, not a forecast of future hazard probability.
Declaration Types
What DR / EM / FM mean
FEMA categorizes declarations as Major Disasters (DR), Emergencies (EM), or Fire Management Assistance (FM).
Major Disaster - 16 84.2%
of all 19 declarations
Emergency - 3 15.8%
of all 19 declarations
FEMA Declarations Timeline
| Year | Declarations | |
|---|---|---|
| 2024 | 1 | |
| 2022 | 1 | |
| 2020 | 2 | |
| 2019 | 1 | |
| 2018 | 1 | |
| 2014 | 1 | |
| 2010 | 3 | |
| 2007 | 1 | |
| 2005 | 1 | |
| 1998 | 1 | |
| 1993 | 1 | |
| 1992 | 1 | |
| 1991 | 1 | |
| 1969 | 2 | |
| 1965 | 1 | |
Disaster Declarations
How the 19 FEMA declarations break into federal action codes (DR / EM / FM). Same DISTINCT grain as the table below.
Download these 19 declarations as CSV . FEMA source data is public domain; our derived presentation is CC0.
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 4796 | SEVERE STORMS, FLOODING, STRAIGHT-LINE WINDS, AND TORNADOES | DR | Severe Storm | 2024-06-24 |
| 4642 | SEVERE STORMS, STRAIGHT-LINE WINDS, AND TORNADOES | DR | Severe Storm | 2022-02-23 |
| 4483 | COVID-19 PANDEMIC | DR | Biological | 2020-03-23 |
| 3480 | COVID-19 | EM | Biological | 2020-03-13 |
| 4421 | SEVERE STORMS AND FLOODING | DR | Flood | 2019-03-23 |
| 4386 | SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND FLOODING | DR | Severe Storm | 2018-08-20 |
| 4184 | SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND FLOODING | DR | Flood | 2014-07-24 |
| 1930 | SEVERE STORMS, FLOODING, AND TORNADOES | DR | Severe Storm | 2010-07-29 |
| 1880 | SEVERE WINTER STORM | DR | Severe Storm | 2010-03-02 |
| 1877 | SEVERE WINTER STORMS AND SNOWSTORM | DR | Severe Storm | 2010-02-25 |
| 3275 | SNOW | EM | Snowstorm | 2007-03-30 |
| 3239 | HURRICANE KATRINA EVACUATION | EM | Hurricane | 2005-09-10 |
| 1230 | SEVERE STORMS, TORNADOES AND FLOODING | DR | Flood | 1998-07-02 |
| 996 | SEVERE STORMS & FLOODING | DR | Flood | 1993-07-09 |
| 928 | ICE STORM | DR | Severe Ice Storm | 1991-12-26 |
| 911 | SEVERE STORMS & FLOODING | DR | Flood | 1991-07-12 |
| 269 | HEAVY RAINS & FLOODING | DR | Flood | 1969-08-14 |
| 259 | FLOODING | DR | Flood | 1969-04-25 |
| 193 | FLOODING | DR | Flood | 1965-04-22 |
Storm Events in Iowa
Statewide NOAA context only. PlainHazard does not currently attribute these state totals to Emmet County.
| Storm Type | Events | Fatalities | Injuries | Property Damage |
|---|---|---|---|---|
| Thunderstorm Wind | 4,928 | 6 | 227 | $40.5M |
| Hail | 3,736 | 0 | 0 | $4.3M |
| Heavy Rain | 2,394 | 0 | 0 | $292.0K |
| Drought | 1,556 | 0 | 0 | $0 |
| Winter Storm | 1,543 | 3 | 4 | $2.8M |
Source: NOAA Storm Events Database State-level aggregated data, 2015-2025
NFIP Flood Insurance Claims
Total Claims
19
Total Paid
$81.1K
Avg Per Claim
$4.3K
Source: FEMA National Flood Insurance Program (NFIP) OpenFEMA Claims Data
FEMA National Risk Index
Overall Risk
Very Low
Score: 42.7/100
Expected Annual Loss
Very Low
$14.1M/year
Social Vulnerability
Relatively Low
Community Resilience
Relatively High
Hazard Risk Breakdown
Drought Relatively High
Cold Wave Relatively Moderate
Winter Weather Relatively Moderate
Hail Relatively Low
Tornado Relatively Low
Lightning Relatively Low
Ice Storm Relatively Low
Landslide Very Low
Strong Wind Relatively Low
Heat Wave Very Low
Wildfire Very Low
Riverine Flooding Very Low
Earthquake Very Low
Source: FEMA National Risk Index (NRI) Ratings reflect relative scores among all US counties. Data: hazards.fema.gov/nri
The model's sharpest exposure here: Drought
Drought is the slowest of the modeled hazards and the least visible: it does its damage to agriculture, water supply and soil over seasons rather than hours, so it rarely produces the kind of single-day damage that drives a disaster declaration. FEMA scores it in event-days per year rather than discrete events for exactly that reason.
Worth noting for Emmet County: the model and the federal record do NOT point at the same hazard. Drought carries the highest modeled rating (Relatively High), while the county's declaration history is led by Flood. That is not a contradiction, the two measure genuinely different things. Declarations record federal ACTION, which requires damage costly enough to exceed state and local capacity; the Risk Index models EXPECTED annual loss across all 18 hazards whether or not any declaration ever followed. A hazard can be the county's largest modeled exposure and never once have driven a declaration.
National Risk Index ratings are modeled estimates of expected annual loss, not predictions of what will happen in any given year.
Data-matched county comparisons
Emmet County's closest FEMA peer: Pratt County, KS
Comparisons use published FEMA declaration fields plus the National Risk Index composite for Emmet County. Record similarity, not a safety rating.
Closest declaration profiles
Emmet County shows 19 FEMA declarations, led by Flood.
Similar Major-disaster share
Emmet County: 16 of 19 of its declarations are Major.
Similar modeled NRI score
Emmet County: NRI composite 42.7 (Very Low).
How these peers are chosen
Cohort: Published U.S. county equivalents outside the source state or territory. Each metric keeps six ETL candidates; three unique destinations are shown after de-duplicating across axes. Declaration-volume ranking combines count and Major-disaster share and prefers a different leading incident type; Major-share ranks the Major fraction adjusted for volume; NRI ranks the modeled composite score only.
Retained FEMA snapshot feed for Emmet County - capture-dated entries only.
Compare beyond this state
Nationwide peers by NRI score & FEMA declaration volume
Two PlainHazard-derived comparison paths for Emmet County: nearest out-of-state National Risk Index composite and nearest FEMA declaration count (floor ≥5 records). Record similarity only, not a forecast of the next hazard.
Similar NRI composite
Nearest out-of-state counties by FEMA NRI score. This county: 42.7 (Very Low).
Similar declaration volume
Nearest out-of-state counties by FEMA declaration count. This county: 19. NRI peers are excluded so the two link sets stay distinct.
Further reading for this county
Most disaster-prone counties
With 19 FEMA declarations, Emmet County sits in the high-volume declaration band - see how that count ranks against other U.S. counties.
More PlainHazard guides
- Most disaster-prone counties - U.S. counties ranked by FEMA declaration totals.
- Understanding disaster data - declarations vs storm events vs NRI scores.
- Preparing for natural disasters - household checklist (not county-specific advice).
Frequently Asked Questions
What is the most common disaster type in Emmet County?
The most common disaster type in Emmet County is Flood, with 8 declarations. Other disaster types include Severe Storm (6), Biological (2), Snowstorm (1).
How does Emmet County's FEMA declaration record compare with the Iowa average?
The typical Iowa county has 19.3 FEMA declaration records; Emmet County has 19, or 2% fewer. Against the national county mean of 20.7, this county's total is 8% lower. The comparison is historical and says nothing about the probability of a future event.
How many major FEMA disaster declarations has Emmet County received?
Emmet County has received 16 major disaster declarations, representing 84% of all 19 disaster declarations.
How many flood insurance claims has Emmet County filed?
Emmet County has 19 National Flood Insurance Program (NFIP) claims totaling $81.1K in payments, with an average of $4.3K per claim.
Does FEMA's top risk-rated hazard match the highest Expected Annual Loss in Emmet County?
No. In Emmet County, Drought has the highest National Risk Index rating (Relatively High), while Cold Wave leads Expected Annual Loss at about $5.6M. FEMA's risk score and dollar-loss model use different inputs, so the leaders often differ.
What was the worst year for disasters in Emmet County?
The most active year for disaster declarations in Emmet County was 2010, with 3 declarations. The county has FEMA disaster data spanning 1965 to 2024.
What is the FEMA National Risk Index score for Emmet County?
According to the FEMA National Risk Index, Emmet County, Iowa has an overall risk score of 42.7 out of 100 (Very Low). The county's social vulnerability rating is Relatively Low and community resilience is Relatively High. The Expected Annual Loss (EAL) score is Very Low, representing $14.1M in annualized losses.
Which natural hazard poses the greatest risk to Emmet County?
Based on FEMA NRI data, the highest-risk natural hazard in Emmet County is Drought (risk rating: Relatively High). Other significant hazards include Cold Wave (Relatively Moderate) and Winter Weather (Relatively Moderate). FEMA's modeled event frequency puts drought here at 9.8 modeled event-days per year, drawn from 280 historical events on record. FEMA derives these ratings from historical event frequency, the assets exposed, and the community's vulnerability profile.
Data Sources & Methodology
Disaster declaration data comes from the FEMA OpenFEMA Disaster Declarations Summaries v2 API, which includes all federally declared disasters, emergencies, and fire management assistance grants.
Storm event data is sourced from the NOAA Storm Events Database (2015-2025), which tracks significant weather events including thunderstorms, tornadoes, floods, and winter storms.
Flood insurance data comes from the FEMA National Flood Insurance Program (NFIP) OpenFEMA claims dataset.
This data is provided for informational purposes only. FEMA disaster declarations represent federal response actions and may not capture all local emergencies or weather events.
FEMA OpenFEMA declarations + NRI for Emmet County · vintage 2026-08-25 · Methodology · Iowa profile · Verify with FEMA OpenFEMA · Verify with NOAA Storm Events