Natural hazards · Beaver Lake

Beaver Lake, NE natural hazards

Most of the natural-hazard damage FEMA expects in Beaver Lake comes from inland flooding, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Beaver Lake?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Beaver Lake to be higher than in 69% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding47%Tornadoes19%Hail12%Cold waves6%Strong wind5%Everything else12%

By hazard

What Beaver Lake faces

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

Inland flooding

47% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

19% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once every 11 years in the area

Hail

12% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 7 times a year in the area

Cold waves

6% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 4 times a year in the area

Strong wind

5% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 4 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Beaver Lake flood?

FEMA's records show no paid flood insurance claims in Beaver Lake.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Cass County.

Disasters that hit Beaver Lake

Federal disasters declared here

None of the disasters declared for Cass County shows FEMA aid or repair money reaching Beaver Lake itself in FEMA’s records.

Brought FEMA money into Beaver LakeDeclared for Cass County only

Cass County has had 24 natural disasters declared since 1953, most often severe storms and floods.

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. Beaver Lake is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Beaver Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to Beaver Lake. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.