Natural hazards · Heartwell

Heartwell, NE natural hazards

Most of the natural-hazard damage FEMA expects in Heartwell comes from hail, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Heartwell?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Heartwell to be higher than in 77% of U.S. communities, mostly from hail and drought.

Hail45%Drought19%Strong wind15%Inland flooding12%Everything else9%

By hazard

What Heartwell faces

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

Hail

45% of expected damage

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

Recorded about 7 times a year in the area

Drought

19% of expected damage

Recorded about 43 times a year in the area

Strong wind

15% of expected damage

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

Recorded about 4 times a year in the area

Inland flooding

12% of expected damage

Above average · higher than 50% of U.S. places

Recorded about once every 3 years in the area

Lower here

TornadoesIce 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 Heartwell flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Kearney County.

Disasters that hit Heartwell

Federal disasters declared here

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

Brought FEMA money into HeartwellDeclared for Kearney County only

Kearney County has had 14 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. Heartwell 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 Heartwell’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Heartwell. 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.