Central City Commercial Historic District · Photo: ArtisticAbode · CC BY-SA 3.0FEMA puts Central City’s expected hazard damage per building above that of 77% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Central City gets a C− for hazard risk: higher expected damage per building than 77% of U.S. towns. Most of that expected damage is river and rain flooding (78%), then tornadoes (13%). Flood insurance has paid 19 claims here since 1990.
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 Central City 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
Hail
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 Central City’s grade
River and rain flooding is 78% of the building damage FEMA expects in Central City, and Central City’s rate of river and rain flooding damage is higher than 83% of U.S. census tracts. Tornadoes add 13%, at a rate in the top 4% of U.S. census tracts.
C− higher expected damage per building than 77% of U.S. towns (21,298).
Central City’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $879K a year in losses across Central City: $597K to buildings, the rest to people and crops.
Does Central City flood? Sometimes: 19 flood claims since 1990
Every paid claim on a federal flood insurance policy in Central City, from FEMA’s records: 33.0 per 1,000 homes, more than 89% of the 13,809 U.S. towns with a flood insurance record.
- The Midwest Flooding1 claim · $12K
- The Storm1 claim · $6K
Central City isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Linn County.4 federal disasters brought FEMA money to Central City
Disasters that paid out in Central City itself (aid to households or repair grants to the City of Central City), newest first, with that year’s flood claims.
- 2020Severe Storms21 households applied for aid$39K aid approved
- 2008Severe Storms, Tornadoes, and Flooding57 households applied for aid$140K aid approved$42K to the City of Central City for repairs4 flood claims paid that year
- 2004Severe Storms, Tornadoes, and Flooding12 households applied for aid$15K aid approved$7K to the City of Central City for repairs
- 1999Severe Storms, Flooding, and Tornadoes$53K to the City of Central City for repairs7 flood claims paid that year
Linn County has had 20 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Central City after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Central City archive →Get ready for what Central City 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Central City
Is Central City at risk for natural disasters?
On FEMA’s National Risk Index, Central City has higher expected damage per building than 77% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (78%) and tornadoes (13%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Central City flood?
Flood insurance has paid 19 claims in Central City since 1990, $152K in all, or 33.0 per 1,000 homes, more than 89% of U.S. towns with a flood insurance record. 3 properties have flooded more than once. The most claims came from Midwest Flooding (1).
Is Central City 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 Linn County, 24% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Central City?
FEMA’s Community Rating System list shows no discount for Central City’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 Central City?
By FEMA money that reached Central City, Severe Storms, Tornadoes, and Flooding (2008): 57 households applied for aid, $140K approved, and $42K to the City of Central City for repairs. By flood claims, Midwest Flooding: 1 paid, $12K.
Is Central City at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (78%), and Central City’s rate for it is higher than 83% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Central City.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Central City’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.