Natural hazards · Clearwater

Clearwater, NE natural hazards

Most of the natural-hazard damage FEMA expects in Clearwater comes from hail, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2019. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Clearwater?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Clearwater to be higher than in 50% of U.S. communities, mostly from hail and inland flooding.

Hail29%Inland flooding21%Drought15%Tornadoes14%Strong wind9%Cold waves6%Everything else6%

By hazard

What Clearwater faces

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

Hail

29% of expected damage

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

Recorded about 6 times a year in the area

Inland flooding

21% of expected damage

Below average · higher than 46% of U.S. places

Recorded about once a year in the area

Drought

15% of expected damage

Recorded about 37 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 4 years in the area

Strong wind

9% of expected damage

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

Recorded about 2 times a year in the area

Cold waves

6% of expected damage

Above average · higher than 63% of U.S. places

Recorded about 6 times a year in the area

Lower here

Ice stormsWinter weatherHeat 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 Clearwater flood?

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

1paid claims since 2019

$18Kpaid to owners

0homes flooded more than once

20192026

Biggest named events

March 2019 Midwest Flooding: 1 claim, $18K

of all homes
are insured

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

Insurance rates: Antelope County.

Disasters that hit Clearwater

4 federal disasters brought FEMA money here

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

Brought FEMA money into ClearwaterDeclared for Antelope County only

2019

Severe Winter Storm, Straight-Line Winds, and Flooding

3 households applied for aid $15K aid approved $57K to the Village of Clearwater for repairs

2010

Severe Storms and Flooding

$375K to the Village of Clearwater for repairs

2009

Severe Winter Storms and Snowstorm

$1K to the Village of Clearwater for repairs

2006

Severe Winter Storms

$3K to the Village of Clearwater for repairs

Antelope County has had 11 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. Clearwater 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 Clearwater’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Clearwater. 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.