Natural hazards · Humboldt

Humboldt, NE natural hazards

Most of the natural-hazard damage FEMA expects in Humboldt comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 2 claims here since 1982. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Humboldt?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Humboldt to be higher than in 67% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding39%Tornadoes16%Drought15%Cold waves7%Hail6%Heat waves6%Everything else12%

By hazard

What Humboldt faces

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

Inland flooding

39% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

16% of expected damage

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

Recorded about once every 5 years in the area

Drought

15% of expected damage

Recorded about 10 times a year in the area

Cold waves

7% of expected damage

Above average · higher than 67% of U.S. places

Recorded about 3 times a year in the area

Hail

6% of expected damage

Above average · higher than 70% of U.S. places

Recorded about 7 times a year in the area

Heat waves

6% of expected damage

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

Recorded about 8 times a year in the area

Lower here

Ice stormsWinter weatherEarthquakesLandslidesStrong 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 Humboldt flood?

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

2paid claims since 1982

$8Kpaid to owners

1homes flooded more than once

19822026

Homes that flooded again and again

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

of all homes
are insured

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

Insurance rates: Richardson County.

Disasters that hit Humboldt

2 federal disasters brought FEMA money here

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

Brought FEMA money into HumboldtDeclared for Richardson County only

2009

Severe Storms, Flooding, and Tornadoes

$2K to the City of Humboldt for repairs

2007

Severe Winter Storm

$41K to the City of Humboldt for repairs

Richardson 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. Humboldt 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 Humboldt’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Humboldt. 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.