Natural hazards · Union

Union, NE natural hazards

Most of the natural-hazard damage FEMA expects in Union comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 8 claims here since 1984. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Union?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Union to be higher than in 69% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding47%Tornadoes19%Hail12%Cold waves6%Strong wind5%Everything else12%

By hazard

What Union faces

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

Inland flooding

47% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

19% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once every 11 years in the area

Hail

12% of expected damage

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

Recorded about 7 times a year in the area

Cold waves

6% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 4 times a year in the area

Strong wind

5% of expected damage

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

Recorded about 4 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Union flood?

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

8paid claims since 1984

$44Kpaid to owners

0homes flooded more than once

19842026

Biggest named events

Midwest Flooding: 6 claims, $39K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Cass County.

Disasters that hit Union

4 federal disasters brought FEMA money here

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

Brought FEMA money into UnionDeclared for Cass County only

2019

Severe Winter Storm, Straight-Line Winds, and Flooding

11 households applied for aid $2K aid approved

2011

Flooding

34 households applied for aid $30K aid approved

2009

Severe Winter Storms and Snowstorm

$6K to the Village of Union for repairs

2004

Severe Storms, Tornadoes and Flooding

18 households applied for aid $5K aid approved $39K to the Village of Union for repairs

Cass County has had 24 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. Union 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 Union’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Union. 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.