🌍 ClimateRiskCheck

Natural Disaster Risk in Worthington

Iowa

6.2out of 10
High Risk

Risk Summary for Worthington

Worthington scores 6.2/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hail.

Top Hazards

Hail Landslide Tornado

All 18 Hazard Scores

Hail
9.1
Landslide
8.8
Tornado
8.6
Cold Wave
8.1
Strong Wind
8.0
Winter Weather
7.6
Drought
7.2
Extreme Heat
6.6
Ice Storm
5.7
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Lightning
4.3
Hurricane
4.1
Earthquake
4.0
Wildfire
3.2
Riverine Flooding
1.0

How it compares

Worthington
6.2
Iowa avg.
5.4
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Worthington, Iowa

Worthington is a small community of about 870 in Dubuque 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 Worthington.

According to FEMA's National Risk Index, Worthington carries an overall risk score of 6.2/10, placing it in the high category. Hail is the primary natural disaster concern, with severe storms delivering baseball-sized or larger hailstones that cause significant insured losses each year. The area also faces notable exposure to landslide and tornado.

Worthington's risk score, slightly above 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 Dubuque County, the highest-scoring are hail, landslide, and tornado. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a high natural disaster risk rating, Worthington residents benefit from taking preparedness seriously. Reviewing insurance coverage for hail and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for Worthington: Hail preparedness

  • Impact-resistant (Class 4) roofing can reduce hail damage and may lower insurance premiums.
  • 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.

Local Factors for Worthington

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

Population

870

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 42.4Β°

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: 3.2/10

Coordinates

42.3951Β° N, 91.1153Β° W

Dubuque 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 Worthington

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Worthington

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.