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Natural hazards · Beatrice

Beatrice, NE natural hazards

Most of the natural-hazard damage FEMA expects in Beatrice comes from tornadoes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 119 claims here since 1978. 10 federal disasters brought FEMA money into town.

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

How exposed is Beatrice?

49
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Beatrice to be higher than in 49% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes36%Inland flooding30%Strong wind10%Hail7%Lightning6%Everything else13%
By hazard

What Beatrice faces

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

Tornadoes

36% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about once every 65 years in the area

Inland flooding

30% of expected damage
Below average · higher than 33% of U.S. places
Recorded about once a year in the area

Strong wind

10% of expected damage
Well above average · higher than 98% of U.S. places
Recorded about 5 times a year in the area

Hail

7% of expected damage
Well above average · higher than 91% of U.S. places
Recorded about 8 times a year in the area

Lightning

6% of expected damage
Well above average · higher than 81% of U.S. places

Lower here

Ice stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 Beatrice flood?

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

119paid claims since 1978
$1.4Mpaid to owners
11homes flooded more than once
19782026

Biggest named events

  • Midwest Flooding: 22 claims, $175K
  • March 2019 Midwest Flooding: 1 claim, $12K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Beatrice isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Gage County.

What’s been done with FEMA grants

76flood-prone properties bought out and cleared
12storm safe rooms built
1flood-prone homes bought out and moved
Disasters that hit Beatrice

10 federal disasters brought FEMA money here

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

Brought FEMA money into BeatriceDeclared for Gage County only
2021

Severe Storms, Straight-Line Winds, and Tornadoes

$183K to the City of Beatrice for repairs
2019

Severe Winter Storm, Straight-Line Winds, and Flooding

$120K to the City of Beatrice for repairs
2017

Severe Storms, Tornadoes, and Straight-Line Winds

$132K to the City of Beatrice for repairs
2015

Severe Storms, Tornadoes, Straight-Line Winds, and Flooding

$180K to the City of Beatrice for repairs
2010

Severe Storms, Ice Jams, and Flooding

$129K to the City of Beatrice for repairs
2009

Severe Winter Storm

$5K to the City of Beatrice for repairs
2008

Severe Storms, Tornadoes, and Flooding

10 households applied for aid $8K aid approved $15K to the City of Beatrice for repairs
2007

Severe Winter Storm

$32K to the City of Beatrice for repairs
2007

Severe Storms, Flooding, and Tornadoes

$50K to the City of Beatrice for repairs
2004

Severe Storms, Tornadoes and Flooding

3 households applied for aid $322 aid approved $10K to the City of Beatrice for repairs
Gage County has had 21 natural disasters declared since 1953, most often severe storms and floods.
Around Beatrice

Beatrice and the towns around it

Midland: Moderate, mostly tornadoesRiverside: Moderate, mostly inland floodingLogan: High, mostly inland floodingBlakely: Moderate, mostly inland floodingLincoln: Moderate, mostly inland floodingRockford: High, mostly inland floodingSicily: High, mostly inland floodingBeatrice: Moderate, mostly tornadoes BeatriceMidlandRiverside
Very lowLowModerateHighVery high
Riversidemostly inland floodingModerate
Beatricemostly tornadoesModerate
Midlandmostly tornadoesModerate
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. Beatrice covers 3 census tracts, combined by population.
Money that reached townFlood claims are matched to Beatrice’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Beatrice. 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 Beatrice total about $4.9M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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