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Natural hazards · Gibbon

Gibbon, NE natural hazards

Most of the natural-hazard damage FEMA expects in Gibbon comes from hail, and overall the risk is very high for a U.S. community. Flood insurance has paid 10 claims here since 2019. 3 federal disasters brought FEMA money into town.

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

How exposed is Gibbon?

85
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gibbon to be higher than in 85% of U.S. communities, mostly from hail and inland flooding.

Hail33%Inland flooding28%Strong wind16%Drought10%Tornadoes7%Everything else5%
By hazard

What Gibbon faces

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

Hail

33% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about 7 times a year in the area

Inland flooding

28% of expected damage
Well above average · higher than 86% of U.S. places
Recorded about once a year in the area

Strong wind

16% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about 4 times a year in the area

Drought

10% of expected damage
Recorded about 42 times a year in the area

Tornadoes

7% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about once every 5 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 Gibbon flood?

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

10paid claims since 2019
$55Kpaid to owners
4homes flooded more than once
20192026

Biggest named events

  • March 2019 Midwest Flooding: 6 claims, $43K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Gibbon isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Buffalo County.
Disasters that hit Gibbon

3 federal disasters brought FEMA money here

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

Brought FEMA money into GibbonDeclared for Buffalo County only
2019

Severe Winter Storm, Straight-Line Winds, and Flooding

55 households applied for aid $192K aid approved
2008

Severe Storms, Tornadoes, and Flooding

29 households applied for aid $32K aid approved
2006

Severe Winter Storms

$27K to the City of Gibbon for repairs
Buffalo County has had 17 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. Gibbon 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 Gibbon’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Gibbon. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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