Waterloo, Iowa, located in the heart of the Midwest, experiences a humid continental climate with four distinct seasons. Summers are warm and humid, with average temperatures ranging from 70°F to 90°F. Winters are cold and snowy, with temperatures dropping below freezing, averaging from 10°F to 30°F. Spring and fall bring mild temperatures and colorful foliage.

Waterloo is nestled along the Cedar River, making it susceptible to hydrology constituents. The river provides a source of water for the city but can also lead to occasional flooding during heavy rains. Efforts have been made to manage flood risks and protect the community.

Outdoor enthusiasts in Waterloo can enjoy various recreational opportunities. George Wyth State Park offers hiking trails, picnic areas, and camping spots. The park is also known for its scenic lake, perfect for boating and fishing activities. The Cedar Valley Nature Trail is a popular destination for walkers, runners, and cyclists, offering picturesque views of the Cedar River and surrounding landscapes. Additionally, golf courses, parks, and sports complexes provide options for outdoor activities year-round. Waterloo offers a diverse range of outdoor recreational opportunities for nature enthusiasts.