Natural hazards · Bone Creek

Bone Creek, NE natural hazards

Most of the natural-hazard damage FEMA expects in Bone Creek comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 5 claims here since 1982.

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

Expected damage

How exposed is Bone Creek?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bone Creek to be higher than in 81% of U.S. communities, mostly from inland flooding and hail.

Inland flooding41%Hail19%Tornadoes13%Strong wind10%Drought9%Everything else9%

By hazard

What Bone Creek faces

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

Inland flooding

41% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about once a year in the area

Hail

19% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 7 times a year in the area

Tornadoes

13% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 4 years in the area

Strong wind

10% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 4 times a year in the area

Drought

9% of expected damage

Recorded about 50 times a year in the area

Lower here

Ice stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightning

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 Bone Creek flood?

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

5paid claims since 1982

$87Kpaid to owners

0homes flooded more than once

19822026

Biggest named events

March 2019 Midwest Flooding: 3 claims, $84K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Bone 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: Butler County.

Disasters that hit Bone Creek

Federal disasters declared here

None of the disasters declared for Butler County shows FEMA aid or repair money reaching Bone Creek itself in FEMA’s records.

Brought FEMA money into Bone CreekDeclared for Butler County only

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

Around Bone Creek

Bone Creek and the towns around it

Very lowLowModerateHighVery high

Bone Creekmostly inland floodingVery high

Linwoodmostly inland floodingVery high

Savannahmostly inland floodingVery high

Plattemostly inland floodingVery high

Franklinmostly 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. Bone Creek covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Bone Creek’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Bone Creek. 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 Bone Creek total about $5.3M 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.