Cuming’s biggest natural hazard is inland flooding
Most of the natural-hazard damage FEMA expects in Cuming comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 10 claims here since 2010. 1 federal disaster brought FEMA money into town.
What stands out about Cuming’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
How exposed is Cuming?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 77% of U.S. communities, mostly from inland flooding and tornadoes.
Rated higher than 658 of the 913 Nebraska towns we cover.
Cuming covers 1 census tract, combined by population.
What Cuming faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Inland flooding
Tornadoes
Hail
Wildfire
Cold waves
Strong wind
Does Cuming flood? Sometimes: 10 flood claims since 2010
Every paid claim on a federal flood insurance policy in Cuming, from FEMA’s records.
- The March 2019 Midwest Flooding3 claims · $122K
Cuming isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Cuming County.1 federal disaster brought FEMA money to Cuming
Disasters that paid out in Cuming itself (aid to households or repair grants to the Township of Cuming) and its biggest flood years.
- 2004Severe Storms, Tornadoes and Flooding$8K to the Township of Cuming for repairs
Cuming County has had 22 natural disasters declared since 1953, most often severe storms and floods.
Old photos of Cuming after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Cuming archive →Get ready for what Cuming actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Cuming and its neighbors
Cuming has the lowest rating of the 3 towns around it. Tap a town to see its hazards.
Rating = expected yearly storm and flood damage as a share of what’s there, vs. U.S. communities. Flood claims = paid federal flood insurance claims on record.
Most disasters here begin in May–June
The month each of Cuming County’s 22 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Cuming’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Cuming.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels. Across Cuming, expected losses total about $4.8M a year, counting buildings, people and crops.
Storm stories
Memories, warnings and help from neighbors in Cuming.
Your answer becomes a post in Town Square.
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. Preparedness tips: Ready.gov. An average of past damage, not a forecast.