Natural Disaster Risk
Terril, IA
2026 Risk Report · FEMA · NOAA · USGS
Risk Score Overview— Terril
🌊 Flood Risk — Terril
Terril 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 — Terril
Tornado risk score: 58/100 — Moderate. Based on NOAA Storm Events Database historical tornado tracks and frequency data.
⚡ Earthquake Risk — Terril
Earthquake risk score: 18/100 — Very Low. Based on USGS National Seismic Hazard Model and historical seismic event data for this region.
🔥 Wildfire Risk — Terril
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 Terril
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 — Terril
Is Terril in a flood zone?
Terril 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 Terril get tornadoes?
Terril 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 Terril?
Terril has an earthquake risk score of 18/100 (Very Low), based on USGS seismic hazard assessments and historical earthquake data.
Is Terril at risk for wildfires?
Terril'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 Terril?
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 Terril.