Natural hazards · Cotterell

Cotterell, NE natural hazards

Most of the natural-hazard damage FEMA expects in Cotterell comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 72 claims here since 1978.

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

Expected damage

How exposed is Cotterell?

Very high

vs. U.S. communities

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

Inland flooding46%Hail13%Tornadoes13%Drought11%Cold waves8%Strong wind6%Everything else3%

By hazard

What Cotterell faces

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

Inland flooding

46% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 2 times a year in the area

Hail

13% of expected damage

Well above average · higher than 93% 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 5 years in the area

Drought

11% of expected damage

Recorded about 47 times a year in the area

Cold waves

8% of expected damage

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

Recorded about 5 times a year in the area

Strong wind

6% 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 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 Cotterell flood?

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

72paid claims since 1978

$1.3Mpaid to owners

0homes flooded more than once

19782026

Biggest named events

March 2019 Midwest Flooding: 59 claims, $1.2M

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Dodge County.

Disasters that hit Cotterell

Federal disasters declared here

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

Brought FEMA money into CotterellDeclared for Dodge County only

Dodge County has had 19 natural disasters declared since 1953, most often severe storms and floods.

Around Cotterell

Cotterell and the towns around it

Very lowLowModerateHighVery high

Cotterellmostly inland floodingVery high

North Bendmostly inland floodingVery high

Unionmostly inland floodingVery high

Ridgeleymostly inland floodingVery high

Maplemostly inland floodingVery high

Plattemostly inland floodingVery high

Morse Bluffmostly 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. Cotterell covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Cotterell’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Cotterell. 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 Cotterell total about $4.7M 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.