🌍 ClimateRiskCheck

Natural Disaster Risk in Monona

Iowa

5.0out of 10
Moderate Risk

Risk Summary for Monona

Monona scores 5.0/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Landslide.

Top Hazards

Landslide Hail Cold Wave

All 18 Hazard Scores

Landslide
9.3
Hail
8.2
Cold Wave
7.0
Tornado
6.1
Drought
5.7
Tsunami
5.4
Extreme Heat
5.1
Volcanic Activity
5.1
Strong Wind
5.0
Coastal Flooding
4.9
Avalanche
4.5
Hurricane
4.1
Ice Storm
3.9
Winter Weather
3.0
Lightning
2.9
Wildfire
2.7
Earthquake
2.3
Riverine Flooding
1.0

How it compares

Monona
5.0
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: Monona, Iowa

Monona, in Allamakee County, is a small community of about 2,398 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 Monona residents and property owners must navigate.

Monona's overall natural disaster risk is rated 5.0/10 (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 cold wave.

Within Iowa, Monona'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 Allamakee County identifies landslide as the foremost hazard, followed by hail and cold wave. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, Monona 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 Monona: 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 Monona

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

Population

2,398

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 43.1Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Lower β€” moist climate limits wildfire frequency

Fire score: 2.7/10

Coordinates

43.0798Β° N, 91.3613Β° W

Allamakee 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 Monona

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Monona

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.