Natural hazards · Sutton

Sutton, NE natural hazards

Most of the natural-hazard damage FEMA expects in Sutton comes from hail, and overall the risk is very high for a U.S. community. Flood insurance has paid 1 claim here since 2017. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Sutton?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Sutton 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 Sutton 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 Sutton flood?

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

1paid claims since 2017

$2Kpaid to owners

0homes flooded more than once

20172026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Sutton 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 Sutton

3 federal disasters brought FEMA money here

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

Brought FEMA money into SuttonDeclared for Clay County only

2021

Severe Storms and Straight-Line Winds

$12K to the City of Sutton for repairs

2014

Severe Storms, Tornadoes, Straight-Line Winds, and Flooding

$203K to the City of Sutton for repairs

2006

Severe Winter Storms

$6K to the City of Sutton for repairs

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

Around Sutton

Sutton and the towns around it

Very lowLowModerateHighVery high

Suttonmostly hailVery high

School Creekmostly hailVery high

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. Sutton 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 Sutton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Sutton. 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.