🌍 ClimateRiskCheck

Natural Disaster Risk in Paullina

Iowa

4.6out of 10
Moderate Risk

Risk Summary for Paullina

Paullina scores 4.6/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Hail.

Top Hazards

Hail Drought Winter Weather

All 18 Hazard Scores

Hail
8.4
Drought
7.1
Winter Weather
7.0
Tornado
5.5
Tsunami
5.4
Cold Wave
5.4
Ice Storm
5.2
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Strong Wind
3.8
Extreme Heat
3.1
Lightning
2.9
Landslide
2.5
Wildfire
2.4
Hurricane
2.4
Earthquake
2.1
Riverine Flooding
1.0

How it compares

Paullina
4.6
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: Paullina, Iowa

Located in the interior eastern United States in O'Brien County, Paullina is a small community of about 1,326. The humid continental climate that characterizes this part of Iowa β€” marked by cold winters, hot summers, and frequent severe weather β€” directly influences the types and severity of natural hazards present, making Paullina a community where hazard awareness has real practical value.

Paullina's overall natural disaster risk is rated 4.6/10 (Moderate) by FEMA's National Risk Index. Hail is the primary natural disaster concern, with severe storms delivering baseball-sized or larger hailstones that cause significant insured losses each year. Secondary hazards include drought and winter.

Relative to other U.S. communities, Paullina's natural disaster risk is near the U.S. national average of 4.5/10, slightly below the 5.4/10 state average. The hazard distribution here is led by hail and drought, as measured by FEMA across O'Brien County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a moderate risk rating, Paullina 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 hail is recommended.

What this means for Paullina: Hail preparedness

  • 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.
  • Impact-resistant (Class 4) roofing can reduce hail damage and may lower insurance premiums.

Local Factors for Paullina

These city-level factors differentiate Paullina from other communities in O'Brien County and provide geographic context for its hazard exposure.

Population

1,326

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 43.0Β°

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: 2.4/10

Coordinates

42.9662Β° N, 95.6795Β° W

O'Brien 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 Paullina

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Paullina

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.