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Natural hazards · Lone Tree

Lone Tree, NE natural hazards

Most of the natural-hazard damage FEMA expects in Lone Tree 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 Lone Tree?

77
High
vs. U.S. communities

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

Hail44%Strong wind26%Drought11%Inland flooding8%Tornadoes7%Everything else4%
By hazard

What Lone Tree faces

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

Hail

44% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about 8 times a year in the area

Strong wind

26% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about 5 times a year in the area

Drought

11% of expected damage
Recorded about 35 times a year in the area

Inland flooding

8% of expected damage
Below average · higher than 29% of U.S. places
Recorded about once every 2 years in the area

Tornadoes

7% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about once every 3 years in the area

Lower here

Ice 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 Lone Tree flood?

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. Lone Tree isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Clay County.
Disasters that hit Lone Tree

Federal disasters declared here

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

Brought FEMA money into Lone TreeDeclared for Clay County only
Clay County has had 17 natural disasters declared since 1953, most often severe storms and floods.
Around Lone Tree

Lone Tree and the towns around it

Clay Center: High, mostly hailGlenvil: High, mostly hailFairfield: High, mostly hailLynn: High, mostly hailSpring Ranch: High, mostly hailMarshall: High, mostly hailLewis: Very high, mostly hailInland: High, mostly hailEdgar: High, mostly hailHarvard: Very high, mostly hailLone Tree: High, mostly hail Lone TreeClay CenterGlenvilFairfieldLynnSpring Ranch
Very lowLowModerateHighVery high
Lone Treemostly hailHigh
Clay Centermostly hailHigh
Glenvilmostly hailHigh
Fairfieldmostly hailHigh
Lynnmostly hailHigh
Spring Ranchmostly hailHigh
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. Lone Tree covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Lone Tree’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Lone Tree. 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 Lone Tree total about $11.1M 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.

The porch light’s on

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You’re in Lone Tree, NEClay CountyView boundary

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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