Natural hazards · Milford

Milford, NE natural hazards

Most of the natural-hazard damage FEMA expects in Milford comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 2019. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Milford?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Milford to be higher than in 74% of U.S. communities, mostly from inland flooding and hail.

Inland flooding36%Hail22%Tornadoes20%Strong wind10%Everything else13%

By hazard

What Milford faces

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

Inland flooding

36% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once a year in the area

Hail

22% of expected damage

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

Recorded about 8 times a year in the area

Tornadoes

20% of expected damage

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

Recorded about once every 5 years in the area

Strong wind

10% of expected damage

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

Recorded about 5 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 Milford flood?

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

1paid claims since 2019

$9Kpaid to owners

0homes flooded more than once

20192026

Biggest named events

March 2019 Midwest Flooding: 1 claim, $9K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Seward County.

Disasters that hit Milford

2 federal disasters brought FEMA money here

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

Brought FEMA money into MilfordDeclared for Seward County only

2009

Severe Winter Storms and Snowstorm

$946 to the City of Milford for repairs

2004

Severe Storms, Tornadoes and Flooding

2 households applied for aid

Seward County has had 17 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. Milford 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 Milford’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Milford. 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.