Natural hazards · Loretto

Loretto, NE natural hazards

Most of the natural-hazard damage FEMA expects in Loretto 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 Loretto?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Loretto to be higher than in 75% of U.S. communities, mostly from hail and inland flooding.

Hail37%Inland flooding26%Drought14%Tornadoes8%Strong wind7%Cold waves6%Everything else3%

By hazard

What Loretto faces

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

Hail

37% of expected damage

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

Recorded about 6 times a year in the area

Inland flooding

26% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once a year in the area

Drought

14% of expected damage

Recorded about 40 times a year in the area

Tornadoes

8% of expected damage

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

Recorded about once every 2 years in the area

Strong wind

7% of expected damage

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

Recorded about 3 times a year in the area

Cold waves

6% of expected damage

Above average · higher than 62% of U.S. places

Recorded about 6 times a year in the area

Lower here

Ice stormsWinter weatherHeat 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 Loretto flood?

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

of all homes
are insured

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

Insurance rates: Boone County.

Disasters that hit Loretto

Federal disasters declared here

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

Brought FEMA money into LorettoDeclared for Boone County only

Boone County has had 18 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. Loretto 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 Loretto’s own flood-insurance community; household aid to the registrant’s city; repair grants to Loretto. 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.