🌍 ClimateRiskCheck

Natural Disaster Risk in Houghton

Iowa

6.4out of 10
High Risk

Risk Summary for Houghton

Houghton scores 6.4/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hail.

Top Hazards

Hail Extreme Heat Drought

All 18 Hazard Scores

Hail
8.7
Extreme Heat
8.7
Drought
8.5
Strong Wind
8.3
Landslide
7.8
Tornado
7.4
Lightning
6.7
Ice Storm
6.3
Earthquake
6.1
Winter Weather
5.8
Wildfire
5.5
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Hurricane
4.5
Avalanche
4.5
Cold Wave
4.4
Riverine Flooding
1.0

How it compares

Houghton
6.4
Iowa avg.
5.4
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

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

Natural Hazard Profile: Houghton, Iowa

Houghton, in Lee 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 Houghton residents and property owners must navigate.

According to FEMA's National Risk Index, Houghton carries an overall risk score of 6.4/10, placing it in the high category. Large hail is the dominant natural hazard, with supercell thunderstorms regularly producing damaging hailstones capable of destroying crops, vehicles, and roofs. The area also faces notable exposure to heat and drought.

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

Houghton's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.

What this means for Houghton: Hail preparedness

  • Document roof and property condition annually to streamline any future hail claims.
  • Impact-resistant (Class 4) roofing can reduce hail damage and may lower insurance premiums.
  • Park vehicles under cover when severe storms are forecast to avoid costly hail damage.

Local Factors for Houghton

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

Population

65

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 40.8Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 5.5/10

Coordinates

40.7831Β° N, 91.6121Β° W

Lee 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 Houghton

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Houghton

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.