🌍 ClimateRiskCheck

Natural Disaster Risk in Sutherland

Iowa

4.6out of 10
Moderate Risk

Risk Summary for Sutherland

Sutherland 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

Sutherland
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: Sutherland, Iowa

Located in the interior eastern United States in O'Brien County, Sutherland is a small community of about 1,096. 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 Sutherland a community where hazard awareness has real practical value.

FEMA rates Sutherland's composite natural disaster risk at 4.6 out of 10 β€” moderate risk. Large hail is the dominant natural hazard, with supercell thunderstorms regularly producing damaging hailstones capable of destroying crops, vehicles, and roofs. Residents should also account for drought and winter risk in their preparedness planning.

Relative to other U.S. communities, Sutherland'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, Sutherland 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 Sutherland: 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 Sutherland

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

Population

1,096

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

42.9837Β° N, 95.4688Β° 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 Sutherland

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Sutherland

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.