Natural hazards · North Bend

North Bend, NE natural hazards

Most of the natural-hazard damage FEMA expects in North Bend comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 72 claims here since 1978. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is North Bend?

Very high

vs. U.S. communities

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

Inland flooding46%Hail13%Tornadoes13%Drought11%Cold waves8%Strong wind6%Everything else3%

By hazard

What North Bend faces

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

Inland flooding

46% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 2 times a year in the area

Hail

13% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 7 times a year in the area

Tornadoes

13% of expected damage

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

Recorded about once every 5 years in the area

Drought

11% of expected damage

Recorded about 47 times a year in the area

Cold waves

8% of expected damage

Above average · higher than 63% of U.S. places

Recorded about 5 times a year in the area

Strong wind

6% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 4 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 North Bend flood?

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

72paid claims since 1978

$1.1Mpaid to owners

0homes flooded more than once

19782026

Biggest named events

March 2019 Midwest Flooding: 54 claims, $980K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Dodge County.

What’s been done with FEMA grants

1homes raised above flood level

Disasters that hit North Bend

2 federal disasters brought FEMA money here

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

Brought FEMA money into North BendDeclared for Dodge County only

2019

Severe Winter Storm, Straight-Line Winds, and Flooding

284 households applied for aid $659K aid approved $1.2M to the City of North Bend for repairs

2009

Severe Winter Storms and Snowstorm

$2K to the City of North Bend for repairs

Dodge County has had 19 natural disasters declared since 1953, most often severe storms and floods.

Around North Bend

North Bend and the towns around it

Very lowLowModerateHighVery high

North Bendmostly inland floodingVery high

Cotterellmostly inland floodingVery high

Unionmostly inland floodingVery high

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