Natural hazards · Bell Creek

Bell Creek, NE natural hazards

Most of the natural-hazard damage FEMA expects in Bell Creek comes from inland flooding, and overall the risk is high for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Bell Creek?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bell Creek to be higher than in 70% of U.S. communities, mostly from inland flooding and drought.

Inland flooding27%Drought21%Hail15%Tornadoes14%Cold waves9%Wildfire6%Everything else8%

By hazard

What Bell Creek faces

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

Inland flooding

27% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once every 2 years in the area

Drought

21% of expected damage

Recorded about 49 times a year in the area

Hail

15% of expected damage

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

Recorded about 6 times a year in the area

Tornadoes

14% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about once every 7 years in the area

Cold waves

9% of expected damage

Above average · higher than 69% of U.S. places

Recorded about 6 times a year in the area

Wildfire

6% of expected damage

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

Lower here

Ice stormsWinter weatherHeat wavesEarthquakesLandslidesLightning

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 Bell Creek flood?

FEMA's records show no paid flood insurance claims in Bell Creek.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Burt County.

Disasters that hit Bell Creek

4 federal disasters brought FEMA money here

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

Brought FEMA money into Bell CreekDeclared for Burt County only

2019

Severe Winter Storm, Straight-Line Winds, and Flooding

$87K to the Township of Bell Creek for repairs

2010

Severe Storms and Flooding

$4K to the Township of Bell Creek for repairs

2009

Severe Winter Storms and Snowstorm

$14K to the Township of Bell Creek for repairs

1999

Severe Storms and Flooding

$13K to the Township of Bell Creek for repairs

Burt County has had 17 natural disasters declared since 1953, most often severe storms and floods.

Around Bell Creek

Bell Creek and the towns around it

Very lowLowModerateHighVery high

Silver Creekmostly inland floodingHigh

Bell Creekmostly inland floodingHigh

Loganmostly inland floodingHigh

Oaklandmostly inland floodingHigh

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. Bell Creek 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 Bell Creek’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Bell Creek. 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.