Natural hazards · Homer

Homer, NE natural hazards

Most of the natural-hazard damage FEMA expects in Homer comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 1 claim here since 1996. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Homer?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Homer to be higher than in 81% of U.S. communities, mostly from inland flooding and hail.

Inland flooding35%Hail24%Drought15%Tornadoes13%Everything else14%

By hazard

What Homer faces

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

Inland flooding

35% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once a year in the area

Hail

24% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 6 times a year in the area

Drought

15% of expected damage

Recorded about 48 times a year in the area

Tornadoes

13% of expected damage

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

Recorded about once every 5 years 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 Homer flood?

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

1paid claims since 1996

$3Kpaid to owners

0homes flooded more than once

19962026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Dakota County.

Disasters that hit Homer

1 federal disaster brought FEMA money here

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

Brought FEMA money into HomerDeclared for Dakota County only

2011

Flooding

5 households applied for aid $200 aid approved

Dakota 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. Homer 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 Homer’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Homer. 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.