Natural hazards · Elm

Elm, NE natural hazards

Most of the natural-hazard damage FEMA expects in Elm comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 4 claims here since 2015.

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

Expected damage

How exposed is Elm?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Elm to be higher than in 58% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding29%Tornadoes24%Hail18%Strong wind11%Drought6%Everything else13%

By hazard

What Elm faces

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

Inland flooding

29% of expected damage

Below average · higher than 46% of U.S. places

Recorded about once a year in the area

Tornadoes

24% of expected damage

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

Recorded about once every 3 years in the area

Hail

18% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 8 times a year in the area

Strong wind

11% of expected damage

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

Recorded about 5 times a year in the area

Drought

6% of expected damage

Recorded about 17 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 Elm flood?

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

4paid claims since 2015

$281Kpaid to owners

0homes flooded more than once

20152026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Gage County.

Disasters that hit Elm

Federal disasters declared here

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

Brought FEMA money into ElmDeclared for Gage County only

Gage County has had 21 natural disasters declared since 1953, most often severe storms and floods.

Around Elm

Elm and the towns around it

Very lowLowModerateHighVery high

Sicilymostly inland floodingHigh

Elmmostly inland floodingModerate

Glenwoodmostly inland floodingModerate

Lincolnmostly inland floodingModerate

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. Elm covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Elm’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Elm. 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 Elm total about $3.5M 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.