Storms, floods and disasters in Titonka
Titonka isn’t graded for hazard risk: Titonka has 452 residents; we grade towns of 1,000 or more. Flood insurance has paid 1 claim here since 1979.
What Titonka 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.
Does Titonka flood? Rarely: 1 flood claim since 1979
Every paid claim on a federal flood insurance policy in Titonka, from FEMA’s records.
Titonka isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Kossuth County.1 federal disaster brought FEMA money to Titonka
Disasters that paid out in Titonka itself (aid to households or repair grants to the City of Titonka), newest first, with that year’s flood claims.
- 2007Snow$2K to the City of Titonka for repairs
Kossuth County has had 17 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 Titonka after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Titonka archive →Get ready for what Titonka 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 Titonka
Does Titonka flood?
Flood insurance has paid 1 claim in Titonka since 1979, $1K in all.
Is Titonka 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 Kossuth County, 0.0% of all homes carry federal flood insurance.
How much is flood insurance in Titonka?
FEMA’s Community Rating System list shows no discount for Titonka’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 Titonka?
By FEMA money that reached Titonka, Snow (2007): $2K to the City of Titonka for repairs.
Storm stories
Memories, warnings and help from neighbors in Titonka.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Titonka’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.