Natural Disaster Risk
Clear Lake, IA
2026 Risk Report · FEMA · NOAA · USGS
Risk Score Overview— Clear Lake
🌊 Flood Risk — Clear Lake
Clear Lake has a flood risk score of 100/100, classified as Very High. This score is derived from FEMA's National Flood Insurance Program (NFIP) claims data, flood zone designations, and NOAA precipitation records.
🌪️ Tornado Risk — Clear Lake
Tornado risk score: 58/100 — Moderate. Based on NOAA Storm Events Database historical tornado tracks and frequency data.
⚡ Earthquake Risk — Clear Lake
Earthquake risk score: 18/100 — Very Low. Based on USGS National Seismic Hazard Model and historical seismic event data for this region.
🔥 Wildfire Risk — Clear Lake
Wildfire risk score: 12/100 — Very Low. Based on USDA Forest Service wildfire risk data and historical fire perimeter records.
💰 What This Means for Home Insurance in Clear Lake
Standard homeowners policies do not cover flood damage. Properties in FEMA flood zones may be required to purchase NFIP coverage. Flood insurance is strongly recommended in this area.
Earthquake damage is excluded from standard homeowners policies. A separate earthquake rider or policy is required.
Homeowners insurance typically covers wind and fire damage, but high-risk areas may see coverage restrictions or surcharges. Review your policy limits.
📍 Nearby Cities in Iowa
❓ Frequently Asked Questions — Clear Lake
Is Clear Lake in a flood zone?
Clear Lake has a flood risk score of 100/100, classified as Very High. Check the FEMA Flood Map Service Center for specific parcel-level flood zone designations.
Does Clear Lake get tornadoes?
Clear Lake has a tornado risk score of 58/100. This area has experienced tornadoes historically and residents should have a preparedness plan.
What is the earthquake risk in Clear Lake?
Clear Lake has an earthquake risk score of 18/100 (Very Low), based on USGS seismic hazard assessments and historical earthquake data.
Is Clear Lake at risk for wildfires?
Clear Lake's wildfire risk score is 12/100 (Very Low), reflecting proximity to wildland-urban interface areas and historical fire perimeter data.
How does natural disaster risk affect home insurance in Clear Lake?
Areas with higher risk scores typically see higher home insurance premiums. Standard homeowners insurance does not cover floods — a separate NFIP or private flood policy is required. Earthquake damage also requires a separate rider or policy. Check with a local insurance agent for coverage recommendations specific to Clear Lake.