Natural hazards · Fairmont

Fairmont, NE natural hazards

Most of the natural-hazard damage FEMA expects in Fairmont comes from hail, and overall the risk is high for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Fairmont?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fairmont to be higher than in 76% of U.S. communities, mostly from hail and drought.

Hail35%Drought21%Inland flooding16%Strong wind13%Tornadoes12%Everything else5%

By hazard

What Fairmont faces

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

Hail

35% of expected damage

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

Recorded about 8 times a year in the area

Drought

21% of expected damage

Recorded about 28 times a year in the area

Inland flooding

16% of expected damage

Below average · higher than 49% of U.S. places

Recorded about once every 2 years in the area

Strong wind

13% of expected damage

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

Recorded about 5 times a year in the area

Tornadoes

12% 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 Fairmont flood?

FEMA's records show no paid flood insurance claims in Fairmont.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Fillmore County.

Disasters that hit Fairmont

3 federal disasters brought FEMA money here

Disasters the President declared that paid out in Fairmont itself: aid to households, or repair grants to the Village of Fairmont.

Brought FEMA money into FairmontDeclared for Fillmore County only

2025

Severe Storms, Straight-Line Winds, and Flooding

$100K to the Village of Fairmont for repairs

2025

Severe Winter Storm and Straight-Line Winds

$39K to the Village of Fairmont for repairs

2004

Severe Storms, Tornadoes and Flooding

1 household applied for aid $981 aid approved

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

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. Fairmont is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Fairmont’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Fairmont. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.