Natural Disaster Risk — ZIP Code 51355
Okoboji, Iowa
Risk Summary for ZIP 51355
ZIP 51355 scores 5.1/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Winter Weather.
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: ZIP 51355, Iowa
Located in the interior eastern United States, ZIP 51355 serves the Okoboji community. The humid continental climate of this part of Iowa — bringing cold winters, hot summers, and frequent severe weather — directly shapes the hazard exposure for properties in this postal area.
ZIP 51355's overall natural disaster risk is rated 5.1/10 (Moderate) by FEMA's National Risk Index. The area faces significant winter hazard exposure, with nor'easters, ice storms, or blizzards regularly challenging transportation networks and power infrastructure. Secondary hazards include ice storm and hail.
Relative to other U.S. communities, ZIP 51355's natural disaster risk is above the U.S. national average of 4.5/10, near the 5.4/10 state average. The hazard distribution here is led by winter and ice storm, as measured by FEMA across Iowa. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a moderate risk rating, ZIP 51355 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 winter is recommended.
What this means for ZIP 51355: Winter Weather preparedness
- Maintain an emergency kit in your vehicle and home for snow- or ice-related power outages.
- Clear roof snow loads when heavy to prevent structural strain and ice dams.
- Insulate pipes and keep a backup heat source to prevent freezing during extended cold.
Risk for the surrounding area
Local Factors for ZIP 51355
These city-level factors differentiate ZIP 51355 from other communities in Iowa County and provide geographic context for its hazard exposure.
Population
1,048
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Cool Continental
Latitude 43.4°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 6.0/10
Coordinates
43.3900° N, 95.1408° W
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for ZIP 51355
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
Nearby ZIP codes
Other cities in Iowa
Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1–10 across all US counties. This information is for general awareness only — consult official emergency management resources and a licensed insurer for property-specific advice.