Natural hazards · School Creek

School Creek, NE natural hazards

Most of the natural-hazard damage FEMA expects in School Creek comes from hail, and overall the risk is very high for a U.S. community.

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

Expected damage

How exposed is School Creek?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in School Creek to be higher than in 80% of U.S. communities, mostly from hail and strong winds.

Hail40%Strong wind24%Drought12%Inland flooding12%Tornadoes8%Everything else4%

By hazard

What School Creek faces

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

Hail

40% of expected damage

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

Recorded about 7 times a year in the area

Strong wind

24% of expected damage

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

Recorded about 4 times a year in the area

Drought

12% of expected damage

Recorded about 33 times a year in the area

Inland flooding

12% of expected damage

Above average · higher than 56% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

8% of expected damage

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

Recorded about once every 4 years in the area

Lower here

Ice stormsWinter weatherCold wavesHeat 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 School Creek flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Clay County.

Disasters that hit School Creek

Federal disasters declared here

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

Brought FEMA money into School CreekDeclared for Clay County only

Clay County has had 17 natural disasters declared since 1953, most often severe storms and floods.

Around School Creek

School Creek and the towns around it

Very lowLowModerateHighVery high

School Creekmostly hailVery high

Suttonmostly hailVery high

Eldoradomostly hailVery high

Suttonmostly hailVery high

Graftonmostly hailHigh

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