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Natural hazards · Eldorado

Eldorado, NE natural hazards

Most of the natural-hazard damage FEMA expects in Eldorado comes from hail, and overall the risk is very high for a U.S. community. Flood insurance has paid 1 claim here since 2017.

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

How exposed is Eldorado?

80
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Eldorado to be higher than in 80% of U.S. communities, mostly from hail and strong winds.

Hail40%Strong wind24%Drought12%Inland flooding12%Tornadoes8%Everything else4%
By hazard

What Eldorado faces

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

Hail

40% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about 7 times a year in the area

Strong wind

24% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about 4 times a year in the area

Drought

12% of expected damage
Recorded about 33 times a year in the area

Inland flooding

12% of expected damage
Above average · higher than 56% of U.S. places
Recorded about once every 2 years in the area

Tornadoes

8% 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 Eldorado flood?

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

1paid claims since 2017
$2Kpaid to owners
0homes flooded more than once
20172026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Eldorado isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Clay County.
Disasters that hit Eldorado

Federal disasters declared here

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

Brought FEMA money into EldoradoDeclared for Clay County only
Clay County has had 17 natural disasters declared since 1953, most often severe storms and floods.
Around Eldorado

Eldorado and the towns around it

Harvard: Very high, mostly hailLewis: Very high, mostly hailSchool Creek: Very high, mostly hailLeicester: Very high, mostly hailLynn: High, mostly hailClay Center: High, mostly hailSutton: Very high, mostly hailSutton: Very high, mostly hailGrafton: High, mostly hailEldorado: Very high, mostly hail EldoradoHarvardLewisSchool Creek
Very lowLowModerateHighVery high
Eldoradomostly hailVery high
Harvardmostly hailVery high
Lewismostly hailVery high
School Creekmostly hailVery high
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. Eldorado covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Eldorado’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Eldorado. 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 Eldorado total about $9.0M 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.

The door’s open

Where to, neighbor?

You’re in Eldorado, NEClay CountyView boundary

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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