Property Atlas

County hazard profile

Dubuque, IA

Iowa · pop. 99,148 · FIPS 19061

Relatively Low
FEMA risk rating · RATING
Hail
dominant hazard
$42M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the lowest nationally

national median $15M/yr Dubuque $42M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Low 63.58/100
national median ~50 near the national middle (64th percentile)
Social vulnerabilityVery Low 10.62/100
national median ~50 among the lowest nationally
Community resilienceVery High 96.95/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Dubuque

The National Flood Insurance Program has paid 252 flood-insurance claims totaling $2.2M in Dubuque since 1978. The costliest year was 2011 ($766K paid).

Flood-insurance dollars paid by year of loss

1978: $109 paid 1979: $24,576 paid 1980: $3,410 paid 1981: $6,566 paid 1983: $628 paid 1986: $0 paid 1990: $0 paid 1991: $6,017 paid 1993: $20,990 paid 1995: $0 paid 1998: $0 paid 1999: $255,620 paid 2000: $0 paid 2001: $11,395 paid 2002: $360,171 paid 2004: $8,052 paid 2008: $186,868 paid 2010: $287,865 paid 2011: $766,337 paid 2013: $1,157 paid 2014: $751 paid 2018: $42,024 paid 2019: $34,928 paid 2023: $26,241 paid 2024: $84,667 paid 2025: $30,967 paid 2011 · $766K 1978 2025
$2.2M
total paid
$8,569
average claim
$317K
largest single claim
81%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Dubuque, IA and where it ranks among U.S. counties. It is not a verdict on whether Dubuque is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.