Photo: Dan Breyfogle · CC BY-SA 3.0Boone’s building-damage rate from tornadoes is in the top 2% of U.S. census tracts
On FEMA’s National Risk Index, Boone gets a B− for hazard risk: higher expected damage per building than 54% of U.S. towns, #94 of 140 in Iowa. Most of that expected damage is river and rain flooding (69%), then tornadoes (22%). Flood insurance has paid 3 claims here since 2015.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Boone faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Tornadoes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Boone’s grade
River and rain flooding is 69% of the building damage FEMA expects in Boone, and Boone’s rate of river and rain flooding damage is higher than 59% of U.S. census tracts. Tornadoes add 22%, at a rate in the top 2% of U.S. census tracts.
B− #94 of 140 in Iowa; higher expected damage per building than 54% of U.S. towns (21,298).
Boone’s residents live in 5 census tracts; FEMA’s figures are combined by where they live.
The typical Iowa town has lower expected damage than 57% of U.S. towns; within the state, Boone has more expected damage per building than 67% of Iowa towns.
In dollars, FEMA expects about $4.6M a year in losses across Boone: $3.3M to buildings, the rest to people and crops.
Does Boone flood? Rarely: 3 flood claims since 2015
Every paid claim on a federal flood insurance policy in Boone, from FEMA’s records: 0.5 per 1,000 homes, fewer than 89% of the 13,809 U.S. towns with a flood insurance record.
Boone isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Boone County.6 federal disasters brought FEMA money to Boone
Disasters that paid out in Boone itself (aid to households or repair grants to the City of Boone), newest first, with that year’s flood claims.
- 2020Severe Storms184 households applied for aid$107K aid approved$437K to the City of Boone for repairs
- 2010Severe Storms, Flooding, and Tornadoes81 households applied for aid$96K aid approved$498K to the City of Boone for repairs
- 2008Severe Storms, Tornadoes, and Flooding219 households applied for aid$515K aid approved$111K to the City of Boone for repairs
- 2007Severe Storms and Flooding$15K to the City of Boone for repairs
- 2007Severe Winter Storms$24K to the City of Boone for repairs
- 2004Severe Storms, Tornadoes, and Flooding3 households applied for aid$4K aid approved
Boone County has had 14 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Boone after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Boone archive →Get ready for what Boone faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Boone
Is Boone at risk for natural disasters?
On FEMA’s National Risk Index, Boone has higher expected damage per building than 54% of U.S. towns: B− for hazard risk, #94 of 140 in Iowa. Most of the expected damage is river and rain flooding (69%) and tornadoes (22%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Boone flood?
Flood insurance has paid 3 claims in Boone since 2015, $56K in all, or 0.5 per 1,000 homes, fewer than 89% of U.S. towns with a flood insurance record. 1 properties have flooded more than once.
Is Boone in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Boone County, 7% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Boone?
FEMA’s Community Rating System list shows no discount for Boone’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Boone?
By FEMA money that reached Boone, Severe Storms, Tornadoes, and Flooding (2008): 219 households applied for aid, $515K approved, and $111K to the City of Boone for repairs.
Is Boone at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (69%), and Boone’s rate for it is higher than 59% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Boone.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Boone’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.