Natural hazards · Holdrege

Holdrege, NE natural hazards

Most of the natural-hazard damage FEMA expects in Holdrege comes from tornadoes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 4 claims here since 1982. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Holdrege?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Holdrege to be higher than in 51% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes29%Inland flooding21%Hail21%Strong wind15%Everything else15%

By hazard

What Holdrege faces

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

Tornadoes

29% of expected damage

Well above average · higher than 96% of U.S. places

Inland flooding

21% of expected damage

Well below average · higher than 14% of U.S. places

Recorded about once every 2 years in the area

Hail

21% of expected damage

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

Recorded about 7 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

Lower here

Ice stormsWinter weatherCold wavesHeat 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 Holdrege flood?

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

4paid claims since 1982

$70Kpaid to owners

0homes flooded more than once

19822026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Phelps County.

Disasters that hit Holdrege

3 federal disasters brought FEMA money here

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

Brought FEMA money into HoldregeDeclared for Phelps County only

2014

Severe Storms, Tornadoes, Straight-Line Winds, and Flooding

$10K to the City of Holdrege for repairs

2010

Severe Storms and Flooding

$13K to the City of Holdrege for repairs

2006

Severe Winter Storms

$764K to the City of Holdrege for repairs

Phelps County has had 12 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. Holdrege covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Holdrege’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Holdrege. 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 Holdrege total about $1.6M 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.