Natural Disaster Risk in Muscatine
Iowa
Risk Summary for Muscatine
Muscatine scores 6.6/10 (High risk), above 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
Above-average risk — 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: Muscatine, Iowa
Muscatine is a city of approximately 29,474 residents in Muscatine 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 Muscatine.
According to FEMA's National Risk Index, Muscatine carries an overall risk score of 6.6/10, placing it in the high category. Hail is the primary natural disaster concern, with severe storms delivering baseball-sized or larger hailstones that cause significant insured losses each year. The area also faces notable exposure to wind and drought.
Muscatine's risk score, slightly above the 5.4/10 state average and well above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Muscatine County, the highest-scoring are hail, wind, and drought. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a high natural disaster risk rating, Muscatine residents benefit from taking preparedness seriously. Reviewing insurance coverage for hail and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.
What this means for Muscatine: Hail preparedness
- 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.
- Document roof and property condition annually to streamline any future hail claims.
Local Factors for Muscatine
These city-level factors differentiate Muscatine from other communities in Muscatine County and provide geographic context for its hazard exposure.
Population
29,474
SuburbanGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 41.4°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 6.6/10
Coordinates
41.4380° N, 91.0580° W
Muscatine 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 Muscatine
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Muscatine
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.