Natural hazards · Elkhorn

Elkhorn, NE natural hazards

Most of the natural-hazard damage FEMA expects in Elkhorn comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 8 claims here since 1992.

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

Expected damage

How exposed is Elkhorn?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Elkhorn to be higher than in 86% of U.S. communities, mostly from inland flooding and hail.

Inland flooding35%Hail30%Tornadoes10%Drought8%Strong wind8%Everything else9%

By hazard

What Elkhorn faces

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

Inland flooding

35% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about once a year in the area

Hail

30% of expected damage

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

Recorded about 7 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 5 years in the area

Drought

8% of expected damage

Recorded about 41 times a year in the area

Strong wind

8% of expected damage

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

Recorded about 4 times a year 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 Elkhorn flood?

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

8paid claims since 1992

$260Kpaid to owners

0homes flooded more than once

19922026

Biggest named events

March 2019 Midwest Flooding: 6 claims, $257K

of all homes
are insured

No community discount. Elkhorn 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.

What’s been done with FEMA grants

1flood-prone properties bought out and cleared

Disasters that hit Elkhorn

Federal disasters declared here

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

Brought FEMA money into ElkhornDeclared for Cuming County only

Cuming County has had 22 natural disasters declared since 1953, most often severe storms and floods.

Around Elkhorn

Elkhorn and the towns around it

Very lowLowModerateHighVery high

Elkhornmostly inland floodingVery high

Montereymostly inland floodingVery high

St. Charlesmostly inland floodingVery high

Bismarkmostly inland floodingVery high

Lincolnmostly inland floodingVery high

Beemermostly inland floodingHigh

Shermanmostly 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. Elkhorn covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Elkhorn’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Elkhorn. 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 Elkhorn total about $8.1M 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.