Natural Disaster Risk in Webster
Iowa
Risk Summary for Webster
Webster scores 5.1/10 (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: Webster, Iowa
Webster is a small unincorporated community in Keokuk County, in the interior eastern United States. The area experiences cold winters, hot summers, and frequent severe weather, with a tornado-active spring season shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Webster.
According to FEMA's National Risk Index, Webster carries an overall risk score of 5.1/10, placing it in the moderate category. Prolonged drought is the primary hazard risk, shaped by low annual rainfall, high evaporation rates, and increasing temperature trends that deepen and lengthen dry periods. The area also faces notable exposure to hail and wind.
Webster's risk score, near the 5.4/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Keokuk County, the highest-scoring are drought, hail, and wind. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a moderate risk rating, Webster 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 Webster: Drought preparedness
- 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.
- Follow local water-use restrictions, which may be enacted during severe drought conditions.
Local Factors for Webster
These city-level factors differentiate Webster from other communities in Keokuk County and provide geographic context for its hazard exposure.
Population
283
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 41.5°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 5.1/10
Coordinates
41.4576° N, 92.1839° W
Keokuk 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 Webster
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Webster
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.