Natural hazards · Stella

Stella, NE natural hazards

Most of the natural-hazard damage FEMA expects in Stella comes from inland flooding, and overall the risk is 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 Stella?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Stella to be higher than in 66% of U.S. communities, mostly from inland flooding and drought.

Inland flooding38%Drought24%Tornadoes15%Cold waves6%Hail5%Everything else12%

By hazard

What Stella faces

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

Inland flooding

38% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about 2 times a year in the area

Drought

24% of expected damage

Recorded about 10 times a year in the area

Tornadoes

15% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about once every 5 years in the area

Cold waves

6% of expected damage

Above average · higher than 67% of U.S. places

Recorded about 3 times a year in the area

Hail

5% of expected damage

Above average · higher than 70% of U.S. places

Recorded about 7 times a year in the area

Lower here

Ice 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 Stella flood?

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

of all homes
are insured

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

Insurance rates: Richardson County.

Disasters that hit Stella

1 federal disaster brought FEMA money here

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

Brought FEMA money into StellaDeclared for Richardson County only

2007

Severe Winter Storm

$11K to the Village of Stella for repairs

Richardson County has had 20 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. Stella 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 Stella’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Stella. 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.