Natural Disaster Risk in Saint Charles
Iowa
Risk Summary for Saint Charles
Saint Charles scores 5.7/10 (Moderate risk), above 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: Saint Charles, Iowa
Saint Charles, in Madison County, is a small community of about 2,393 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 Saint Charles residents and property owners must navigate.
Saint Charles's overall natural disaster risk is rated 5.7/10 (Moderate) by FEMA's National Risk Index. 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. Secondary hazards include landslide and hail.
Within Iowa, Saint Charles's risk is, near the 5.4/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Madison County identifies drought as the foremost hazard, followed by landslide and hail. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a moderate risk rating, Saint Charles 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 Saint Charles: Drought preparedness
- Follow local water-use restrictions, which may be enacted during severe drought conditions.
- 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.
Local Factors for Saint Charles
These city-level factors differentiate Saint Charles from other communities in Madison County and provide geographic context for its hazard exposure.
Population
2,393
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 41.3°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 6.5/10
Coordinates
41.2937° N, 93.7960° W
Madison 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 Saint Charles
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Saint Charles
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.