Natural hazards · Red Cloud

Red Cloud, NE natural hazards

Most of the natural-hazard damage FEMA expects in Red Cloud comes from hail, and overall the risk is very high for a U.S. community. Flood insurance has paid 1 claim here since 2000. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Red Cloud?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Red Cloud to be higher than in 81% of U.S. communities, mostly from hail.

Hail59%Inland flooding15%Strong wind13%Everything else14%

By hazard

What Red Cloud faces

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

Hail

59% of expected damage

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

Recorded about 8 times a year in the area

Inland flooding

15% of expected damage

Above average · higher than 61% of U.S. places

Recorded about once every 3 years in the area

Strong wind

13% of expected damage

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

Recorded about 5 times a year in the area

Lower here

TornadoesIce 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 Red Cloud flood?

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

1paid claims since 2000

$2Kpaid to owners

0homes flooded more than once

20002026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Webster County.

Disasters that hit Red Cloud

1 federal disaster brought FEMA money here

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

Brought FEMA money into Red CloudDeclared for Webster County only

2019

Severe Winter Storm, Straight-Line Winds, and Flooding

$111K to the City of Red Cloud for repairs

Webster County has had 14 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. Red Cloud 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 Red Cloud’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Red Cloud. 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.