Natural Disaster Risk in Little Rock
Iowa
Risk Summary for Little Rock
Little Rock scores 4.9/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Hail.
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: Little Rock, Iowa
Little Rock, in Lyon County, is a small community of about 735 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 Little Rock residents and property owners must navigate.
Little Rock's overall natural disaster risk is rated 4.9/10 (Moderate) by FEMA's National Risk Index. Hailstorm risk tops the local hazard profile, driven by frequent severe thunderstorm development that produces some of the most property-damaging hail in the country. Secondary hazards include drought and winter.
Within Iowa, Little Rock'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 Lyon County identifies hail as the foremost hazard, followed by drought and winter. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a moderate risk rating, Little Rock 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 hail is recommended.
What this means for Little Rock: 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 Little Rock
These city-level factors differentiate Little Rock from other communities in Lyon County and provide geographic context for its hazard exposure.
Population
735
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Cool Continental
Latitude 43.4°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 3.7/10
Coordinates
43.4425° N, 95.9029° W
Lyon 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 Little Rock
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Little Rock
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.