Natural hazards · Cedar Bluffs

Cedar Bluffs, NE natural hazards

Most of the natural-hazard damage FEMA expects in Cedar Bluffs comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 4 claims here since 1980. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Cedar Bluffs?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cedar Bluffs to be higher than in 66% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding38%Tornadoes18%Hail17%Drought12%Strong wind9%Everything else8%

By hazard

What Cedar Bluffs faces

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

Inland flooding

38% of expected damage

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

Recorded about 2 times a year in the area

Tornadoes

18% of expected damage

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

Recorded about once every 8 years in the area

Hail

17% of expected damage

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

Recorded about 7 times a year in the area

Drought

12% of expected damage

Recorded about 32 times a year in the area

Strong wind

9% of expected damage

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

Recorded about 4 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 Cedar Bluffs flood?

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

4paid claims since 1980

$6Kpaid to owners

0homes flooded more than once

19802026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Saunders County.

Disasters that hit Cedar Bluffs

2 federal disasters brought FEMA money here

Disasters the President declared that paid out in Cedar Bluffs itself: aid to households, or repair grants to the Village of Cedar Bluffs.

Brought FEMA money into Cedar BluffsDeclared for Saunders County only

2019

Severe Winter Storm, Straight-Line Winds, and Flooding

7 households applied for aid $9K aid approved

2008

Severe Storms, Tornadoes, and Flooding

7 households applied for aid $504 aid approved

Saunders County has had 26 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. Cedar Bluffs 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 Cedar Bluffs’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Cedar Bluffs. 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.