Natural hazards · Fremont

Fremont, NE natural hazards

Most of the natural-hazard damage FEMA expects in Fremont comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 381 claims here since 1978. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Fremont?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fremont to be higher than in 76% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding39%Tornadoes24%Cold waves21%Strong wind6%Everything else10%

By hazard

What Fremont faces

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

Inland flooding

39% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

24% of expected damage

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

Cold waves

21% of expected damage

Above average · higher than 63% of U.S. places

Recorded about 5 times a year in the area

Strong wind

6% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 4 times a year in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Fremont flood?

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

381paid claims since 1978

$7.7Mpaid to owners

36homes flooded more than once

19782026

Biggest named events

March 2019 Midwest Flooding: 152 claims, $5.9M

Homes that flooded again and again

■ FEMA “severe repetitive loss” (5) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

🏷️ 10% off flood insurance. Fremont is in FEMA’s Community Rating System (class 8) for its flood-proofing work.

Insurance rates: Dodge County.

What’s been done with FEMA grants

4homes raised above flood level

Disasters that hit Fremont

6 federal disasters brought FEMA money here

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

Brought FEMA money into FremontDeclared for Dodge County only

2025

Severe Winter Storm and Straight-Line Winds

$2.1M to the City of Fremont for repairs

2019

Severe Winter Storm, Straight-Line Winds, and Flooding

913 households applied for aid $2.8M aid approved $1.4M to the City of Fremont for repairs

2017

Severe Storms, Tornadoes, and Straight-Line Winds

$44K to the City of Fremont for repairs

2011

Severe Storms, Tornadoes, Straight Line Winds, and Flooding

$25K to the City of Fremont for repairs

2009

Severe Winter Storms and Snowstorm

$3K to the City of Fremont for repairs

2004

Severe Storms, Tornadoes and Flooding

3 households applied for aid $6K aid approved $16K to the City of Fremont for repairs

Dodge County has had 19 natural disasters declared since 1953, most often severe storms and floods.

Around Fremont

Fremont and the towns around it

Very lowLowModerateHighVery high

Plattemostly inland floodingVery high

Elkhornmostly inland floodingVery high

Inglewoodmostly inland floodingVery high

Fremontmostly 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. Fremont covers 5 census tracts, combined by population.

Money that reached townFlood claims are matched to Fremont’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Fremont. 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 Fremont total about $13.3M 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.