Natural hazards · Shamrock

Shamrock, NE natural hazards

Most of the natural-hazard damage FEMA expects in Shamrock comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2019.

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

Expected damage

How exposed is Shamrock?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Shamrock to be higher than in 44% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding23%Cold waves21%Drought16%Tornadoes12%Hail7%Lightning6%Everything else15%

By hazard

What Shamrock faces

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

Inland flooding

23% of expected damage

Below average · higher than 38% of U.S. places

Recorded about once every 2 years in the area

Cold waves

21% of expected damage

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

Recorded about 7 times a year in the area

Drought

16% of expected damage

Recorded about 46 times a year in the area

Tornadoes

12% of expected damage

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

Recorded about once every 2 years in the area

Hail

7% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about 5 times a year in the area

Lightning

6% of expected damage

Well above average · higher than 83% of U.S. places

Lower here

Ice stormsWinter weatherHeat wavesEarthquakesLandslidesStrong wind

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 Shamrock flood?

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

1paid claims since 2019

$4Kpaid to owners

0homes flooded more than once

20192026

Biggest named events

March 2019 Midwest Flooding: 1 claim, $4K

of all homes
are insured

No community discount. Shamrock 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 Shamrock

Federal disasters declared here

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

Brought FEMA money into ShamrockDeclared for Holt County only

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

Around Shamrock

Shamrock and the towns around it

Very lowLowModerateHighVery high

Shamrockmostly inland floodingModerate

Chambersmostly inland floodingModerate

Fairviewmostly inland floodingModerate

Inmanmostly inland floodingModerate

Grattanmostly cold wavesVery low

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. Shamrock covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Shamrock’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Shamrock. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Shamrock total about $2.1M a year, counting buildings, people and crops.

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.