Natural hazards · Saratoga

Saratoga, NE natural hazards

Most of the natural-hazard damage FEMA expects in Saratoga comes from drought, and overall the risk is low for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Saratoga?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Saratoga to be higher than in 36% of U.S. communities, mostly from drought and inland flooding.

Drought33%Inland flooding23%Cold waves16%Tornadoes8%Everything else19%

By hazard

What Saratoga faces

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

Drought

33% of expected damage

Recorded about 49 times a year in the area

Inland flooding

23% of expected damage

Below average · higher than 37% of U.S. places

Recorded about once every 2 years in the area

Cold waves

16% of expected damage

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

Recorded about 7 times a year in the area

Tornadoes

8% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 2 years in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Saratoga flood?

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

of all homes
are insured

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

Insurance rates: Holt County.

Disasters that hit Saratoga

1 federal disaster brought FEMA money here

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

Brought FEMA money into SaratogaDeclared for Holt County only

2010

Severe Storms and Flooding

$3K to the Township of Saratoga for repairs

Holt County has had 14 natural disasters declared since 1953, most often severe storms and floods.

Around Saratoga

Saratoga and the towns around it

Very lowLowModerateHighVery high

Buttemostly inland floodingHigh

Saratogamostly droughtLow

Colemanmostly droughtLow

Bellemostly droughtLow

Sand Creekmostly droughtLow

Dustinmostly droughtLow

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. Saratoga 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 Saratoga’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Saratoga. 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.