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Nebraska · Risk Readiness

What's actually likely where you live.

Before the emergency — maps, tools, and the honest picture of what Nebraska throws at different parts of the state.

See NE hazards

NE hazard profile

Primary hazards. Ranked.

Nebraska averages 57 tornadoes per year. The southern Panhandle and the corridor from Grand Island to Omaha are the most active zones. The June 22, 2014 Pilger tornadoes — two simultaneous EF-4s tracking side by side — killed 2 people and destroyed a small town. Nebraska tornadoes can be massive and long-tracked. The March 2019 'bomb cyclone' caused catastrophic flooding along the Platte, Elkhorn, Loup, and Niobrara rivers — killing 3 people and causing $1.4 billion in damage. Ice jams on the Missouri and Platte rivers can cause sudden catastrophic flooding in late winter. Omaha metro flash flooding is a recurring hazard. Nebraska blizzards can be among the most dangerous in the country. The October 2019 blizzard killed cattle across the Panhandle. I-80 and I-76 close multiple times per winter. Rural western Nebraska households can be snowed in for days with no power and no road access. Wind chill in blizzard conditions reaches -40°F or lower.

Official tools

Look up your address. Know your risk.

Insurance gaps

What your homeowner's policy doesn't cover.

Standard homeowner's policies in Nebraska exclude flood damage. Flood insurance through the NFIP has a 30-day waiting period — it cannot be purchased when a storm is forecast. Check your declarations page annually to confirm your coverage limits and deductibles.

Not in your standard policy

Flood damage — requires NFIP or private flood policy

Earthquake damage — requires separate endorsement

Sewer & drain backup — requires endorsement ($50–$100/yr)

Landslide / mudflow — generally excluded

Next steps

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During an emergency

Find alerts, contacts, and shelters.

NC emergency contacts, alert signups, and real-time information.

Local Emergency

Get prepared

Run through the NE checklist.

Step-by-step actions based on the hazards that apply to Nebraska.

NE Checklists