🌍 ClimateRiskCheck

Natural Disaster Risk in Henderson

Iowa

4.9out of 10
Moderate Risk

Risk Summary for Henderson

Henderson scores 4.9/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Landslide.

Top Hazards

Landslide Hail Drought

All 18 Hazard Scores

Landslide
8.1
Hail
7.6
Drought
7.0
Tornado
6.1
Wildfire
5.8
Tsunami
5.4
Volcanic Activity
5.1
Ice Storm
5.0
Coastal Flooding
4.9
Extreme Heat
4.8
Avalanche
4.5
Strong Wind
4.3
Winter Weather
4.2
Cold Wave
3.7
Hurricane
2.4
Lightning
2.4
Earthquake
2.0
Riverine Flooding
1.0

How it compares

Henderson
4.9
Iowa avg.
5.4
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” standard coverage usually sufficient

This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Henderson, Iowa

Henderson, in Mills County, is a small unincorporated community situated in the interior eastern United States. Its humid continental climate brings cold winters, hot summers, and frequent severe weather, and in particular a tornado-active spring season. These conditions collectively define the natural hazard environment that Henderson residents and property owners must navigate.

Henderson's overall natural disaster risk is rated 4.9/10 (Moderate) by FEMA's National Risk Index. The area faces significant landslide risk, where mountainous topography and saturated soils during wet periods combine to create hazardous mass movement conditions. Secondary hazards include hail and drought.

Within Iowa, Henderson's risk is, slightly below the 5.4/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Mills County identifies landslide as the foremost hazard, followed by hail and drought. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, Henderson residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for landslide is recommended.

What this means for Henderson: Landslide preparedness

  • Have an evacuation plan ready during periods of intense or prolonged rainfall.
  • Watch for warning signs such as new cracks, tilting trees, or changes in water drainage on slopes.
  • Standard insurance generally excludes landslide and earth-movement damage β€” ask about specialized coverage.

Local Factors for Henderson

These city-level factors differentiate Henderson from other communities in Mills County and provide geographic context for its hazard exposure.

Population

273

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 41.1Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 5.8/10

Coordinates

41.1366Β° N, 95.4162Β° W

Mills County

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for Henderson

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Henderson

Other cities in Iowa

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.