Natural hazards · Cotesfield

Cotesfield, NE natural hazards

Most of the natural-hazard damage FEMA expects in Cotesfield comes from hail, 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 Cotesfield?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cotesfield to be higher than in 78% of U.S. communities, mostly from hail and inland flooding.

Hail34%Inland flooding23%Drought16%Strong wind12%Tornadoes10%Everything else5%

By hazard

What Cotesfield faces

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

Hail

34% of expected damage

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

Recorded about 7 times a year in the area

Inland flooding

23% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once every 2 years in the area

Drought

16% of expected damage

Recorded about 33 times a year in the area

Strong wind

12% of expected damage

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

Recorded about 3 times a year in the area

Tornadoes

10% of expected damage

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

Recorded about once every 4 years 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 Cotesfield flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Howard County.

Disasters that hit Cotesfield

Federal disasters declared here

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

Brought FEMA money into CotesfieldDeclared for Howard County only

Howard County has had 21 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. Cotesfield 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 Cotesfield’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Cotesfield. 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.