Ranked from FEMA National Risk Index
Lowest Expected Disaster Loss per Household in Iowa
The counties where FEMA's expected annual loss per household is smallest. Low exposure is one of the few housing-cost advantages that never shows up in the listing price. It shows up in what an insurer actually charges, which is not the same as the insurance figure in these tables, since that is a statewide average and cannot vary by county. Expected annual loss is FEMA's National Risk Index figure for the county, divided by the number of occupied housing units the Census reports there.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Iowa ranked
| # | County | Disaster loss per household | FEMA risk rating | Median home |
|---|---|---|---|---|
| 1 | Polk County | $680 | Relatively Moderate | $248,400 |
| 2 | Black Hawk County | $777 | Relatively Low | $182,400 |
| 3 | Linn County | $832 | Relatively Moderate | $204,400 |
| 4 | Scott County | $915 | Relatively Moderate | $212,500 |
| 5 | Warren County | $927 | Very Low | $252,800 |
| 6 | Story County | $933 | Relatively Low | $243,600 |
| 7 | Dallas County | $972 | Relatively Low | $333,400 |
| 8 | Dubuque County | $1,028 | Relatively Low | $226,100 |
| 9 | Marion County | $1,062 | Very Low | $211,100 |
| 10 | Jasper County | $1,089 | Relatively Low | $176,800 |
| 11 | Jefferson County | $1,094 | Very Low | $161,200 |
| 12 | Des Moines County | $1,134 | Relatively Low | $137,000 |
| 13 | Muscatine County | $1,182 | Relatively Low | $172,400 |
| 14 | Mahaska County | $1,244 | Very Low | $140,900 |
| 15 | Woodbury County | $1,251 | Relatively Moderate | $172,000 |
| 16 | Henry County | $1,268 | Very Low | $148,600 |
| 17 | Clinton County | $1,309 | Relatively Low | $153,800 |
| 18 | Pottawattamie County | $1,322 | Relatively Low | $183,600 |
| 19 | Cerro Gordo County | $1,409 | Relatively Low | $154,100 |
| 20 | Marshall County | $1,457 | Relatively Low | $134,100 |
| 21 | Boone County | $1,510 | Very Low | $191,200 |
| 22 | Poweshiek County | $1,518 | Very Low | $184,200 |
| 23 | Washington County | $1,536 | Relatively Low | $199,600 |
| 24 | Johnson County | $1,547 | Relatively Moderate | $293,100 |
| 25 | Madison County | $1,549 | Very Low | $236,900 |
| 26 | Benton County | $1,556 | Very Low | $198,400 |
| 27 | Lee County | $1,577 | Relatively Low | $123,600 |
| 28 | Webster County | $1,581 | Relatively Low | $138,500 |
| 29 | Bremer County | $1,584 | Very Low | $207,200 |
| 30 | Buena Vista County | $1,592 | Very Low | $146,900 |
| 31 | Buchanan County | $1,611 | Very Low | $171,400 |
| 32 | Iowa County | $1,628 | Very Low | $189,800 |
| 33 | Harrison County | $1,637 | Very Low | $165,300 |
| 34 | Cedar County | $1,657 | Very Low | $199,700 |
| 35 | Dickinson County | $1,670 | Very Low | $251,600 |
| 36 | Jackson County | $1,700 | Very Low | $170,000 |
| 37 | Plymouth County | $1,706 | Relatively Low | $218,600 |
| 38 | Wapello County | $1,708 | Relatively Low | $112,900 |
| 39 | Allamakee County | $1,735 | Very Low | $171,900 |
| 40 | Fayette County | $1,814 | Relatively Low | $130,800 |
| 41 | Winneshiek County | $1,854 | Very Low | $239,000 |
| 42 | Tama County | $1,872 | Relatively Low | $139,900 |
| 43 | Grundy County | $1,872 | Very Low | $180,500 |
| 44 | O'Brien County | $1,924 | Very Low | $158,900 |
| 45 | Clayton County | $1,962 | Very Low | $155,700 |
| 46 | Page County | $1,967 | Very Low | $120,000 |
| 47 | Jones County | $1,986 | Very Low | $183,400 |
| 48 | Mills County | $1,986 | Very Low | $228,700 |
| 49 | Louisa County | $2,039 | Very Low | $137,600 |
| 50 | Appanoose County | $2,050 | Very Low | $119,800 |
| 51 | Winnebago County | $2,088 | Very Low | $132,300 |
| 52 | Osceola County | $2,100 | Very Low | $123,800 |
| 53 | Cherokee County | $2,111 | Very Low | $145,100 |
| 54 | Lucas County | $2,141 | Very Low | $117,000 |
| 55 | Chickasaw County | $2,190 | Very Low | $164,400 |
| 56 | Keokuk County | $2,199 | Very Low | $112,200 |
| 57 | Floyd County | $2,200 | Relatively Low | $133,300 |
| 58 | Worth County | $2,201 | Very Low | $142,300 |
| 59 | Monona County | $2,237 | Very Low | $122,600 |
| 60 | Humboldt County | $2,300 | Very Low | $146,900 |
| 61 | Wayne County | $2,326 | Very Low | $102,300 |
| 62 | Monroe County | $2,341 | Very Low | $135,900 |
| 63 | Clay County | $2,360 | Very Low | $171,500 |
| 64 | Sioux County | $2,366 | Relatively Low | $235,600 |
| 65 | Delaware County | $2,376 | Relatively Low | $168,700 |
| 66 | Kossuth County | $2,412 | Very Low | $135,100 |
| 67 | Fremont County | $2,419 | Very Low | $147,500 |
| 68 | Hancock County | $2,420 | Very Low | $129,300 |
| 69 | Wright County | $2,426 | Very Low | $109,800 |
| 70 | Ida County | $2,429 | Very Low | $108,800 |
| 71 | Montgomery County | $2,431 | Very Low | $109,900 |
| 72 | Lyon County | $2,451 | Very Low | $215,600 |
| 73 | Hamilton County | $2,455 | Relatively Low | $132,300 |
| 74 | Butler County | $2,470 | Very Low | $156,500 |
| 75 | Clarke County | $2,476 | Very Low | $160,200 |
| 76 | Union County | $2,477 | Relatively Low | $117,800 |
| 77 | Howard County | $2,508 | Very Low | $133,900 |
| 78 | Shelby County | $2,538 | Very Low | $156,200 |
| 79 | Decatur County | $2,562 | Very Low | $109,500 |
| 80 | Carroll County | $2,589 | Relatively Low | $175,700 |
| 81 | Palo Alto County | $2,591 | Very Low | $119,300 |
| 82 | Franklin County | $2,656 | Very Low | $118,500 |
| 83 | Cass County | $2,864 | Relatively Low | $133,300 |
| 84 | Van Buren County | $2,888 | Very Low | $118,800 |
| 85 | Hardin County | $2,912 | Relatively Low | $113,000 |
| 86 | Guthrie County | $3,033 | Very Low | $163,900 |
| 87 | Greene County | $3,103 | Very Low | $140,500 |
| 88 | Mitchell County | $3,209 | Very Low | $164,100 |
| 89 | Calhoun County | $3,432 | Relatively Low | $114,400 |
| 90 | Sac County | $3,467 | Very Low | $138,400 |
| 91 | Davis County | $3,549 | Relatively Low | $146,000 |
| 92 | Emmet County | $3,587 | Very Low | $106,200 |
| 93 | Pocahontas County | $3,675 | Very Low | $93,300 |
| 94 | Crawford County | $3,781 | Relatively Low | $136,300 |
| 95 | Taylor County | $3,987 | Very Low | $109,700 |
| 96 | Ringgold County | $4,347 | Very Low | $150,300 |
| 97 | Adair County | $4,353 | Relatively Low | $140,600 |
| 98 | Audubon County | $4,543 | Very Low | $110,400 |
| 99 | Adams County | $5,231 | Very Low | $116,900 |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Lowest Expected Disaster Loss per Household across all 3,133 US counties · Every county in Iowa