🌍 ClimateRiskCheck

Natural Disaster Risk in Titonka

Iowa

4.9out of 10
Moderate Risk

Risk Summary for Titonka

Titonka scores 4.9/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Drought.

Top Hazards

Drought Winter Weather Cold Wave

All 18 Hazard Scores

Drought
9.5
Winter Weather
7.5
Cold Wave
7.4
Tornado
6.6
Hail
5.8
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Ice Storm
4.6
Strong Wind
4.5
Avalanche
4.5
Lightning
4.3
Landslide
4.0
Wildfire
2.4
Hurricane
2.4
Earthquake
2.2
Extreme Heat
2.2
Riverine Flooding
1.0

How it compares

Titonka
4.9
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: Titonka, Iowa

Titonka, in Kossuth County, is a small community of about 809 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 Titonka residents and property owners must navigate.

According to FEMA's National Risk Index, Titonka carries an overall risk score of 4.9/10, placing it in the moderate category. Drought is the leading natural hazard, with multi-year dry periods capable of depleting water supplies, devastating agriculture, and increasing wildfire risk across the region. The area also faces notable exposure to winter and cold wave.

Within Iowa, Titonka'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 Kossuth County identifies drought as the foremost hazard, followed by winter and cold wave. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, Titonka 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 drought is recommended.

What this means for Titonka: 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 Titonka

These city-level factors differentiate Titonka from other communities in Kossuth County and provide geographic context for its hazard exposure.

Population

809

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 43.3Β°

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

43.2510Β° N, 94.0527Β° W

Kossuth 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 Titonka

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Titonka

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.