Winnebago County, Iowa: hazard risk
FEMA rates Winnebago County's overall risk Very Low (score 30.7 of 100, higher than 30% of rated U.S. counties); 1 of its 13 hazards are rated Relatively High or Very High, led by drought. Its storm record holds 542 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Drought | Relatively High | 96.1 | $2.9M |
| Cold Wave | Relatively Moderate | 65.5 | $1.7M |
| Winter Weather | Relatively Moderate | 63.7 | $100K |
| Hail | Relatively Low | 61.6 | $386K |
| Tornado | Relatively Low | 45.8 | $1.0M |
| Strong Wind | Relatively Low | 42.0 | $418K |
| Landslide | Very Low | 31.0 | $325 |
| Riverine Flooding | Very Low | 25.6 | $2.9M |
| Ice Storm | Very Low | 22.7 | $20K |
| Lightning | Very Low | 21.6 | $71K |
| Wildfire | Very Low | 13.6 | $4K |
| Earthquake | Very Low | 10.8 | $10K |
| Heat Wave | Very Low | 10.8 | $20K |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 117 | 0 | $3.0M | 32nd of 99 | 1420th of 3,080 |
| Hail | 105 | 0 | $5.3M | 40th of 99 | 909th of 3,080 |
| Winter storms | 104 | 0 | $2.0M | 25th of 99 | 465th of 3,077 |
| High wind and dust storms | 41 | 0 | $2.3M | 3rd of 99 | 319th of 3,080 |
| Heavy rain | 38 | 0 | – | 28th of 99 | 177th of 3,080 |
| Floods | 37 | 0 | $31M | 55th of 99 | 922nd of 3,080 |
| Extreme cold | 36 | 0 | $9.4M | 4th of 99 | 195th of 3,076 |
| Tornadoes | 24 | 0 | $29M | 23rd of 99 | 385th of 3,080 |
| Drought | 18 | 0 | $105M | 57th of 99 | 1051st of 3,063 |
| Lightning | 5 | 0 | $364K | 11th of 99 | 572nd of 3,080 |
| Heat | 4 | 0 | $177K | 38th of 99 | 1480th of 3,076 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Winnebago County record: every hazard by year and month, the deadliest events and FEMA's declarations.