Natural hazards · St. Libory

St. Libory, NE natural hazards

Most of the natural-hazard damage FEMA expects in St. Libory 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 St. Libory?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Libory to be higher than in 82% of U.S. communities, mostly from hail and inland flooding.

Hail40%Inland flooding20%Drought18%Strong wind12%Tornadoes7%Everything else4%

By hazard

What St. Libory 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 · higher than 98% of U.S. places

Recorded about 7 times a year in the area

Inland flooding

20% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about once every 2 years in the area

Drought

18% of expected damage

Recorded about 49 times a year in the area

Strong wind

12% of expected damage

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

Recorded about 4 times a year in the area

Tornadoes

7% 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 St. Libory flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Howard County.

Disasters that hit St. Libory

Federal disasters declared here

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

Brought FEMA money into St. LiboryDeclared for Howard County only

Howard County has had 21 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. St. Libory 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. Libory’s own flood-insurance community; household aid to the registrant’s city; repair grants to St. Libory. 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.