Natural hazards · St. Charles

St. Charles, NE natural hazards

Most of the natural-hazard damage FEMA expects in St. Charles comes from inland flooding, and overall the risk is very high 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 St. Charles?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Charles to be higher than in 86% of U.S. communities, mostly from inland flooding and hail.

Inland flooding35%Hail30%Tornadoes10%Drought8%Strong wind8%Everything else9%

By hazard

What St. Charles faces

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

Inland flooding

35% of expected damage

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

Recorded about once a year in the area

Hail

30% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 7 times a year in the area

Tornadoes

10% of expected damage

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

Recorded about once every 5 years in the area

Drought

8% of expected damage

Recorded about 41 times a year in the area

Strong wind

8% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 4 times a year 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 St. Charles flood?

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

of all homes
are insured

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

Insurance rates: Cuming County.

Disasters that hit St. Charles

1 federal disaster brought FEMA money here

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

Brought FEMA money into St. CharlesDeclared for Cuming County only

2004

Severe Storms, Tornadoes and Flooding

$6K to the Township of St. Charles for repairs

Cuming County has had 22 natural disasters declared since 1953, most often severe storms and floods.

Around St. Charles

St. Charles and the towns around it

Very lowLowModerateHighVery high

St. Charlesmostly inland floodingVery high

Elkhornmostly inland floodingVery high

Montereymostly inland floodingVery high

Pebblemostly inland floodingVery high

Shermanmostly inland floodingHigh

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