Property Atlas

County hazard profile

Story, IA

Iowa · pop. 98,533 · FIPS 19169

Relatively Low
FEMA risk rating · RATING
Drought
dominant hazard
$36M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Story $36M

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 68.83/100
national median ~50 near the national middle (69th percentile)
Social vulnerabilityVery Low 12.95/100
national median ~50 among the lowest nationally
Community resilienceVery High 86.8/100
national median ~50 higher than 87% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Story

The National Flood Insurance Program has paid 283 flood-insurance claims totaling $13.0M in Story since 1979. The costliest year was 2010 ($8.3M paid).

Flood-insurance dollars paid by year of loss

1979: $341 paid 1984: $3,875 paid 1987: $0 paid 1990: $423,503 paid 1991: $66,925 paid 1993: $1,986,613 paid 1996: $391,247 paid 1999: $0 paid 2001: $16,383 paid 2004: $42,703 paid 2005: $0 paid 2007: $6,035 paid 2008: $1,701,873 paid 2010: $8,268,596 paid 2013: $32,839 paid 2014: $0 paid 2015: $2,888 paid 2016: $35,996 paid 2017: $1,952 paid 2018: $17,163 paid 2025: $202 paid 2010 · $8.3M 1979 2025
$13.0M
total paid
$45,933
average claim
$1.0M
largest single claim
66%
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 Story, IA and where it ranks among U.S. counties. It is not a verdict on whether Story 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.