Natural hazards · Nebraska

Nebraska, IL natural hazards

Most of the natural-hazard damage FEMA expects in Nebraska comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 5 claims here since 1997. 1 federal disaster brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Nebraska?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Nebraska to be higher than in 72% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding61%Cold waves15%Drought8%Everything else17%

By hazard

What Nebraska faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

61% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once a year in the area

Cold waves

15% of expected damage

Above average · higher than 59% of U.S. places

Recorded about 5 times a year in the area

Drought

8% of expected damage

Recorded about 4 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Nebraska flood?

Every paid claim on a federal flood insurance policy in Nebraska, from FEMA’s records.

5paid claims since 1997

$110Kpaid to owners

0homes flooded more than once

19972026

Biggest named events

Mid-spring storms: 2 claims, $58K
Hurricane Ike: 1 claim, $21K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Nebraska isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Livingston County.

Disasters that hit Nebraska

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Nebraska itself: aid to households, or repair grants to the Township of Nebraska.

Brought FEMA money into NebraskaDeclared for Livingston County only

1999

Il-Winter Storm 1/1/99

$3K to the Township of Nebraska for repairs

Livingston County has had 9 natural disasters declared since 1953, most often winter storms and floods.

Around Nebraska

Nebraska and the towns around it

Very lowLowModerateHighVery high

Rooks Creekmostly inland floodingVery high

Nebraskamostly inland floodingHigh

Waldomostly inland floodingHigh

Long Pointmostly inland floodingHigh

Minonkmostly inland floodingLow

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Nebraska covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Nebraska’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Nebraska. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Nebraska total about $2.8M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.