Natural hazards · Herman

Herman, NE natural hazards

Most of the natural-hazard damage FEMA expects in Herman comes from inland flooding, and overall the risk is high for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Herman?

High

vs. U.S. communities

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

Inland flooding44%Tornadoes18%Drought13%Hail11%Everything else14%

By hazard

What Herman faces

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

Inland flooding

44% of expected damage

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

Recorded about once a year in the area

Tornadoes

18% of expected damage

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

Recorded about once every 5 years in the area

Drought

13% of expected damage

Recorded about 30 times a year in the area

Hail

11% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 7 times a year in the area

Lower here

Ice stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Herman flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Washington County.

Disasters that hit Herman

2 federal disasters brought FEMA money here

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

Brought FEMA money into HermanDeclared for Washington County only

2019

Severe Winter Storm, Straight-Line Winds, and Flooding

2 households applied for aid

2011

Flooding

1 household applied for aid $30K aid approved

Washington County has had 20 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. Herman 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 Herman’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Herman. 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.