Photo: David Wilson from Oak Park, Illinois, USA · CC BY 2.0Waterloo’s winters are colder and snowier than most of the U.S.
A typical July afternoon reaches 83°, a January night drops to 9°, and about 39 inches of snow falls in a normal winter.
A year in Waterloo at a glance
Each month’s typical high and low, and what it brings.
What stands out about Waterloo’s climate
Compared with towns across the U.S., with Waterloo’s place in Iowa beside it.
What a year in Waterloo feels like
Typical highs and lows by season and by month, from NOAA’s 30-year normals.
About 165 frost-free days a year
In half of years the last 32° night comes by April 27 and the first by October 10. Frost and day counts come from NOAA’s station at Waterloo Muni Airport, 5 miles from the city’s center point, at about the same height.
The 2023 USDA map puts Waterloo’s center in zone 5a: the coldest night of a typical winter, averaged over 1991–2020, reaches about −17°. Plant labels use the zone; frost dates tell you when to plant.
Freezing nights by month
Average nights at or below 32°
90° days by month
Average days at 90° or more
About 39 inches of snow a winter
Snow, measured at Waterloo Muni Airport, falls mostly in January, February and December. Precipitation (rain plus melted snow) adds up to 37 inches a year; June is the wettest month and January the driest. Rain or snow falls on about 114 days a year.
Rain + melted snow by month
Inches of water
Snowfall by month
Inches of snow
Heating and cooling a home in Waterloo
88% of the work is heating, so the furnace matters far more than the air conditioner. Months averaging under 55° run from October through April.
Degree days add up how far each day’s average falls below (heating) or rises above (cooling) 65° over a year. NOAA normals at Waterloo Muni Airport.
Living with Waterloo’s climate
What the numbers mean for a garden, a free afternoon and a bad-weather day.
165 frost-free days in zone 5a. The last frost comes by Apr 27 in half of years, so many gardeners wait a week or two past that to set out tomatoes. The first fall frost comes by Oct 10.
Months with highs of 62–84° and lows of 40° or more: May, June, July, August and September. 44 miles of trails are waiting.
Parks & trails →Of the yearly building losses FEMA expects in Waterloo from natural hazards, river flooding is the largest share (51%); heat waves, cold waves, winter storms and ice storms together are 8%. Normals are averages; the hazards page covers the extremes.
Natural hazards →Waterloo and its neighbors
Every town next door is within a degree of Waterloo in January and July, closer than the 5 km grid can tell apart. Tap a town to see its climate.
Climates most like Waterloo’s, farther away
TownRatings’ own comparison of NOAA 1991–2020 normals, not a NOAA product: places of 5,000+ at least 150 miles away, one per state, closest on January low, July high, precipitation and snow.
| Town | Jan. low | July high | Precip. | Snow |
|---|---|---|---|---|
| Waterloo, IA | 9° | 83° | 37" | 39" |
| Portage, WI | 10° | 83° | 36" | 39" |
| South Beloit, IL | 13° | 83° | 37" | 38" |
| Hastings, MN | 7° | 83° | 33" | 41" |
| Colchester, VT | 10° | 81° | 38" | 50" |
Temperatures and rain come from NOAA’s 5 km grid, so each town gets its own value. Snow and frost-free days come from the nearest weather station, so neighbors often share them.
Warmer than it used to be
The last 30 years in Waterloo averaged 0.8° warmer than the 1900s. The biggest change is in December (+2.4°).
A smaller shift than in 90% of U.S. towns.
Change by month
The two periods overlap (1991–2000 is in both), which makes the gap a little smaller than it would be between separate periods.
How Waterloo compares
Against 12,954 U.S. towns of 2,500 or more (one per 5 km climate cell), with Waterloo’s place among Iowa’s.
Waterloo weather by month
Highs, lows and precipitation from NOAA’s grid at Waterloo’s center; snow, wet days and snow on the ground from Waterloo Muni Airport. 1991–2020 normals.
| Month | High | Low | Rain + melt | Snow | Wet days | Snow on ground | 30-yr range |
|---|---|---|---|---|---|---|---|
| January | 27° | 9° | 1.1" | 10.1" | 8 | 21 | 7° – 31° |
| February | 31° | 14° | 1.2" | 9.3" | 8 | 18 | 10° – 34° |
| March | 45° | 26° | 1.9" | 4.6" | 10 | 8 | 27° – 51° |
| April | 60° | 36° | 3.9" | 1.7" | 12 | 1 | 38° – 54° |
| May | 71° | 48° | 4.7" | 0.1" | 13 | 0 | 54° – 66° |
| June | 80° | 59° | 5.8" | 0.0" | 12 | 0 | 67° – 74° |
| July | 83° | 62° | 4.3" | 0.0" | 9 | 0 | 67° – 79° |
| August | 81° | 59° | 4.1" | 0.0" | 9 | 0 | 65° – 76° |
| September | 75° | 51° | 3.7" | 0.0" | 9 | 0 | 57° – 68° |
| October | 62° | 39° | 2.8" | 0.3" | 9 | 0 | 45° – 55° |
| November | 46° | 27° | 2.0" | 3.1" | 8 | 3 | 28° – 48° |
| December | 32° | 16° | 1.5" | 9.9" | 8 | 13 | 9° – 34° |
| Year | 58° | 37° | 37.0" | 39.1" | 114 | 64 |
How much a month can swing
A normal is an average. December swings the most: from 1991 to 2020 its average ranged from 9° to 34°. June is the most reliable, staying within 7°.
Where Waterloo’s numbers come from
Normals are 30-year averages, not a forecast. How TownRatings reads climate data →
- Temperatures and precipitation: NOAA’s gridded 1991–2020 normals for the 5 km cell at Waterloo’s center.
- Snow: Waterloo Muni Airport.
- Frost, freezing nights, 90° and 100° days, heating and cooling: Waterloo Muni Airport, 5 miles from the city’s center point, at about the same height; the nearest station that passes our checks for distance, height and agreement with the grid.
- Growing zone: USDA Plant Hardiness Zone Map, 2023. USDA Agricultural Research Service and PRISM Group, Oregon State University, prism.oregonstate.edu/phzm, accessed 8 Oct 2026.
- Then and now: NOAA’s gridded normals for 1901–2000 at the same cell.
- Storms and extremes: FEMA National Risk Index (expected annual losses to buildings).
Common questions about Waterloo’s climate
What is the weather like in Waterloo?
A typical July afternoon reaches 83°, a January night drops to 9°, and about 39 inches of snow falls in a normal winter. Colder January nights than 94% of U.S. towns; cooler July afternoons than 68% of U.S. towns.
How cold does it get in Waterloo in winter?
January nights average 9°. About 151 nights a year reach 32° or below and 20 reach 0° or below. In the coldest January of the last 30 years the month averaged 7°.
How much snow does Waterloo get?
About 39 inches in a normal winter at Waterloo Muni Airport, most of it in January, February and December, with snow on the ground about 64 days a year.
How hot does it get in Waterloo?
July, with a typical high of 83° and a low of 62°. About 15 days a year reach 90° (Waterloo Muni Airport).
When is the first and last frost in Waterloo?
In half of years the last spring frost (32°) comes by April 27 and the first fall frost by October 10, about 165 frost-free days, at Waterloo Muni Airport.
What growing zone is Waterloo in?
Zone 5a on the 2023 USDA Plant Hardiness Zone Map: the coldest night of a typical winter reaches about −17°.
What is the best time of year to visit Waterloo?
By one simple rule (highs of 62–84° and lows of 40° or more), May, June, July, August and September. The rule is ours, not NOAA’s; the month table has the numbers to judge by.
Is Waterloo getting warmer?
Yes: 1991–2020 averaged 0.8° warmer than 1901–2000 on NOAA’s grid. A smaller shift than 90% of U.S. towns.
Neighbors talk weather
Gardens, snow, and the best days of the year in Waterloo.
Source: NOAA NCEI U.S. Climate Normals, 1991–2020 and 1901–2000; USDA/PRISM 2023 hardiness zones; FEMA National Risk Index. Today’s forecast: National Weather Service.