Natural Disaster Risk in Saint Olaf
Iowa
Risk Summary for Saint Olaf
Saint Olaf scores 5.0/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Landslide.
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 Olaf, Iowa
Saint Olaf, in Clayton County, is a small unincorporated community 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 Olaf residents and property owners must navigate.
Saint Olaf'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 drought.
Within Iowa, Saint Olaf'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 Clayton County identifies landslide as the foremost hazard, followed by hail and drought. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a moderate risk rating, Saint Olaf 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 landslide is recommended.
What this means for Saint Olaf: 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 — ask about specialized coverage.
Local Factors for Saint Olaf
These city-level factors differentiate Saint Olaf from other communities in Clayton County and provide geographic context for its hazard exposure.
Population
454
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Cool Continental
Latitude 42.9°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 2.3/10
Coordinates
42.9202° N, 91.3803° W
Clayton 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 Olaf
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Saint Olaf
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.