Natural Disaster Risk in Keystone
Iowa
Risk Summary for Keystone
Keystone scores 5.0/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Drought.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — 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: Keystone, Iowa
Keystone is a small community of about 1,060 in Benton County, in the interior eastern United States. The area experiences cold winters, hot summers, and frequent severe weather, with a tornado-active spring season shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Keystone.
FEMA rates Keystone's composite natural disaster risk at 5.0 out of 10 — moderate risk. The area faces significant drought exposure, where below-average precipitation over extended periods strains water resources and drives secondary hazards like wildfire and crop failure. Residents should also account for wind and hail risk in their preparedness planning.
Keystone's risk score, slightly below the 5.4/10 state average and near the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Benton County, the highest-scoring are drought, wind, and hail. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a moderate risk rating, Keystone residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for drought is recommended.
What this means for Keystone: Drought preparedness
- Adopt water-efficient landscaping and fixtures to reduce strain during extended dry periods.
- Be aware that prolonged drought raises secondary risks including wildfire and foundation soil movement.
- Follow local water-use restrictions, which may be enacted during severe drought conditions.
Local Factors for Keystone
These city-level factors differentiate Keystone from other communities in Benton County and provide geographic context for its hazard exposure.
Population
1,060
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Cool Continental
Latitude 42.0°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 4.4/10
Coordinates
42.0120° N, 92.2052° W
Benton 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 Keystone
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Keystone
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.